Real estate developers in India are increasingly offering flexible payment plans, allowing buyers to make low initial payments and defer the rest until later. These plans, often structured as 10:90 or 20:80 payment schemes, aim to maintain sales momentum without reducing property prices. According to Ankita Sood, national director of research at Knight Frank India, these incentives reflect a shift towards affordability as buyers become more selective. However, buyers should be cautious as these plans may come with hidden costs, potentially increasing the overall price by 2-5%. Additionally, opting for flexible payments may mean forgoing the 8-10% savings typically available under traditional down-payment options. Buyers are advised to compare the total costs of flexible plans with those of conventional options, scrutinize the payment schedule, and ensure alignment with construction milestones. It's also essential to assess the developer's credibility and review the sale agreement thoroughly to avoid future disputes. If a developer fails to deliver on time, buyers have legal recourse under the Real Estate (Regulation and Development) Act (RERA), which allows them to claim refunds or interest for delays. Ultimately, buyers should seek financial advice to understand the full implications of their payment choices.