Guides · During buying
During buying · 4 min readConstruction-Linked vs Time-Linked Payment Plans
Reviewed against MahaRERA rules · Informational, not legal advice
The short version: The payment plan decides who bears the risk of delay. Construction-linked keeps it with the builder; time-linked and subvention plans quietly shift it to you.
Construction-linked (CLP)
Each instalment falls due only when a construction stage is actually reached. It's RERA-aligned, and you never fund work that hasn't been built. This is the plan to prefer.
Time-linked, down-payment & subvention
These tie payments to the calendar, or ask for a large amount upfront — sometimes dressed up as a subvention scheme where the builder “pays” your pre-EMI for a while.
The headline price may look lower, but you're funding construction that could be delayed, and your money is exposed if the project stalls. When the builder stops paying the pre-EMI, the burden lands back on you.
What to watch for
- Subvention schemes that end the moment the builder stops paying pre-EMI.
- Large upfront demands unrelated to construction progress.
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This guide is general information to help you ask better questions — it is not legal advice, and it doesn't replace your own advocate or the official MahaRERA portal. Rules, rates and builder practices vary; always verify against the current MahaRERA record and your project's documents before acting.