The Indian real estate market has been constantly evolving from time to time, paying great attention to the demand of professionals, NRIs, and high-net-worth individuals. With the costs of luxury homes rising, buyers are seeking alternative payment structures that promote financial breathing room while still being an appealing investment.
Rustomjee has developed a 30:70 payment plan aimed at facilitating buyers. This blog post will delve into the details of the 30:70 payment plan and its benefits and discuss how it empowers buyers to capture the lucrative real estate market.
What is the 30:70 Payment Plan?
In the 30:70 payment plan, the first step towards owning a house is termed a ‘homebuyer investment trust‘, which is when a potential buyer is given the option to set aside a certain amount so it can be adjusted towards a portion of the home’s cost.
- A buyer is allowed to only do fifty per cent (30%) of the total worth of the desired property value. But after swiping the portion, the buyer in receipt must pay the rest in equal chunks until the remaining sum of the final payment is due.
- With this plan, a buyer can avoid ongoing EMIs after the construction period while lessening straining his cash flow during the building phase of the housing unit.
How the 30:70 Payment Structure Works
Under this plan, the payment process is structured as follows:
| Milestone | Payment Percentage | Description |
| At the Time of Booking | 30% | Buyers make an initial payment to confirm their purchase. |
| During Construction | 0% | No EMIs or additional payments are required, ensuring financial ease. |
| On Possession | 70% | Buyers pay the remaining amount when the property is ready for handover. |
This model offers a significant advantage over traditional financing, where home loans require monthly EMI payments from the beginning. With the 30:70 structure, buyers can maintain cash liquidity while ensuring their investment appreciates over time.
Read Also: Why Urban Locations Offer the Best Return for Luxury Home Buyers
Why Choose the 30:70 Payment Plan for Aden, Cleon, and Stella?
Selecting the right luxury residence is as important as choosing the right payment plan. Aden, Cleon, and Stella are among Rustomjee’s most prestigious projects, strategically located in Mumbai’s prime real estate corridors.
The 30:70 payment plan makes these high-end properties more accessible to buyers who value luxury, connectivity, and investment potential.
Aden – Luxury Living in Bandra
Aden by Rustomjee is a premium residential development in Bandra designed for those who seek elegance, convenience, and modern urban living.
- Spacious 4 BHK residences with open-plan layouts that maximize natural light and ventilation.
- World-class amenities include a rooftop infinity pool, a fully equipped fitness centre, and landscaped gardens.
- Proximity to premium lifestyle hubs, including high-end dining, shopping, and entertainment venues.
With the 30:70 payment plan, buyers can secure their dream home in Bandra with just 30% upfront, making it an ideal option for professionals, families, and investors.
Cleon – Sophisticated Living Near BKC
Situated close to Bandra Kurla Complex (BKC), Cleon is designed for individuals who demand seamless connectivity, modern architecture, and premium amenities.
- Proximity to BKC, Mumbai’s financial hub, offering easy access to corporate offices, international schools, and healthcare facilities.
- Smart home features and sustainable architecture provide a future-ready living experience.
- World-class clubhouse, landscaped sky decks, and exclusive residents’ lounges for a sophisticated lifestyle.
The 30:70 payment plan allows urban professionals and investors to secure a property in BKC without worrying about heavy financial commitments during construction.
Read Also: The Benefits of Owning Multiple Luxury Properties: A Guide for High-Income Investors
Stella – A Landmark in Bandra
For those who appreciate a blend of heritage charm and modern luxury, Stella in Bandra offers elegant homes in one of Mumbai’s most sought-after locations.
- Limited-edition residences with premium interiors, high ceilings, and large private balconies.
- Seamless connectivity to Mumbai’s major commercial and lifestyle destinations.
- Exclusive luxury amenities, including a spa, concierge services, and rooftop entertainment spaces.
By opting for the 30:70 payment plan, buyers can secure a residence in Stella without immediate full-scale financial commitments, allowing them to plan their finances while ensuring long-term investment growth.
Benefits of the 30:70 Payment Plan
When purchasing a luxury home, financial planning plays a crucial role in ensuring a stress-free buying experience. The 30:70 payment plan offers numerous benefits that make it an attractive option for both end-users and investors.
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Financial Flexibility
By paying only 30% upfront, buyers can retain liquidity, allowing them to diversify investments, manage expenses, or leverage financial opportunities elsewhere.
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Stress-Free Ownership
Since there are no EMI payments during construction, homebuyers can avoid financial pressure and plan their finances more efficiently.
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Transparency and Security
The 30:70 model ensures clear and structured payment terms, giving buyers peace of mind that there are no hidden costs or last-minute price escalations.
Why Invest in Aden, Cleon, and Stella?
Real estate investments in prime locations are known to generate significant returns over time. Aden, Cleon, and Stella not only offer a luxurious living experience but also high appreciation potential, making them an ideal choice for long-term investors.
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Prime Locations with Excellent Connectivity
- Bandra and BKC are Mumbai’s most sought-after real estate destinations, offering a perfect balance of luxury, convenience, and investment potential.
- These locations provide seamless connectivity to business hubs, international airports, and premier lifestyle venues.
Eg. A frequent traveller benefits from Bandra’s proximity to Mumbai International Airport, reaching it within 20 minutes via the Western Express Highway.
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World-Class Architecture and Design
- Each project is designed by renowned architects, ensuring timeless elegance and future-ready living spaces.
- Premium materials, imported fittings, and sustainable construction techniques enhance durability and luxury.
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High Appreciation Potential and Rental Yields
- Bandra and BKC have consistently shown strong property appreciation, making these projects ideal for long-term capital gains. Eg. The Property rate in Bandra West till January 2025 was Rs.60,000/sq. ft. showing the appreciation potential.
- Given the strong rental demand in these areas, Bandra offers an average rental yield of 3-5% as of January 2025, making it a lucrative option for investors.
How to Avail the 30:70 Payment Plan
Applying for the 30:70 payment plan at Aden, Cleon, or Stella is a straightforward process with dedicated support from Rustomjee’s expert advisors.
Step-by-Step Guide
- Select Your Preferred Residence: Explore the project sites or consult Rustomjee’s sales team to choose a unit that fits your needs.
- Make the 30% Initial Payment & Complete Documentation: Secure your home with a 30% payment and submit required documents like ID proof, address proof, and financial records.
- Pay the Remaining 70% Upon Possession: Once the property is ready, complete the final payment, execute the sale deed, and take ownership of your new home.
Conclusion
The 30:70 payment plan is more than just a financing option; it is a strategic tool that empowers homebuyers to invest in premium real estate with financial ease and long-term security. Whether you are looking for a luxurious residence for personal use or an investment with high appreciation potential, this plan offers the perfect balance of affordability and exclusivity.
For more information or to schedule a visit to residential properties, contact Rustomjee today and take the first step toward owning a luxury home with a hassle-free payment experience.
FAQs
- Is the 30:70 payment plan suitable for NRIs?
Yes, NRIs can benefit significantly from this plan as it allows them to secure a luxury residence in Mumbai with minimal upfront financial commitment. Additionally, with no EMI payments during construction, NRIs can better manage international financial obligations while ensuring property appreciation.
- What makes the 30:70 payment plan a smart choice for homebuyers?
The 30:70 payment plan allows homebuyers to pay just 30% upfront and the remaining 70% on possession, reducing the financial burden and making homeownership more accessible. This structure provides flexibility, minimizes immediate cash outflow, and ensures that buyers pay the majority only when their home is ready for possession.
- How can I apply for the 30:70 payment plan for Aden, Cleon, or Stella?
Interested buyers can contact Rustomjee’s sales team for a detailed consultation, property selection, and payment plan application. The process includes a site visit, documentation verification, and a dedicated support team to ensure a smooth buying process.
