In this guide
- What is pre-selling?
- Pros of pre-selling
- Cons of pre-selling
- Pros and cons of RFO
What is pre-selling?
Pre-selling means buying a unit before construction is complete (or even before it has started). Developers offer lower prices and longer payment terms to entice early buyers.
Pros of pre-selling
Lower prices (10–30% discount), flexible payment terms (0% interest spread over 3–5 years), choice of best units, and potential appreciation upon turnover.
Cons of pre-selling
Construction delays (sometimes 2+ years), risk of developer default, you can't physically inspect the unit, and you may not be able to rent it out immediately.
Pros and cons of RFO
RFO (Ready For Occupancy) units are more expensive but you can move in or rent immediately, inspect before buying, and avoid construction risk. Down payments are typically larger.
Quick Tips
- ★ Only buy pre-selling from established, financially-stable developers.
- ★ Read the contract carefully for delivery dates and penalties.
- ★ Diversify — don't put all your savings in one pre-selling project.
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