Imagine choosing an apartment, deciding to buy, and paying just one-fifth of its price upfront. The remaining amount does not burden your budget during the construction phase - it is due only right before key handover. This is the exact principle behind the 20/80 promotion we have introduced at our Poznań development, Panoramiqa 2.
We designed this model for buyers who want to secure their ideal apartment right now without tying up their entire capital at an early stage of the purchase. Below, we explain how the payment schedule works, what it means in practice, and how you can make the most of the time leading up to the final payment.
How exactly does the 20/80 promotion work?
The core rule is straightforward: you pay 20% of the chosen apartment's price upfront, and settle the remaining 80% before unit handover. For Panoramiqa 2, the scheduled handover date is in 2028.
How does it work in practice?
- Choose your apartment – browse the wide selection of available units at Panoramiqa 2 and decide which one best fits your needs and financial capabilities.
- Start the purchase by paying 20% of the price – this initial installment allows you to finalize the purchase in accordance with the promotion terms and the signed agreement.
- Pay the remaining 80% before handover – you do not need to commit this amount during the construction phase. You prepare the final payment according to the agreed schedule - just before receiving the keys.
It is worth noting that this is not a system that divides the entire price into multiple monthly installments. Its essence lies in splitting the payment into two parts: an initial down payment and a final payment. As a result, you do not have to pay subsequent portions of the apartment price while construction is underway.
What are the benefits of deferring 80% of the apartment price?
You will notice the biggest difference in how you manage your own money. Under a traditional multi-stage payment schedule, funds are committed gradually as construction progresses. In the 20/80 model, you keep a significantly larger share of your capital at your disposal until the final payment date.
This matters for several reasons:
- You lock in today’s price from the start. By paying 20% upon signing the contract, you reserve the apartment under current terms and protect yourself against potential real estate price increases during construction.
- You preserve a larger financial reserve. You don’t have to spend the majority of your savings on the apartment right away. You can keep your funds in a savings account, term deposit, or other instruments aligned with your money management strategy.
- You gain time to accumulate the remaining amount. If you plan to finance the purchase from ongoing income and savings, you can spread your financial preparations over a longer period. You don’t need to have the full property value available the moment you decide to buy.
- You can plan your mortgage financing more effectively. Buyers using a mortgage gain extra time to compare bank offers, prepare documentation, and assess their borrowing capacity. The option to draw down the loan right before the final payment can also shorten the period during which loan interest accrues—though the exact outcome depends on the loan structure, bank terms, and timing of disbursement.
How to use the time until the second half of 2028?
Deferring the bulk of the payment is about more than just postponing a bank transfer. It also gives you room to prepare calmly for the next stages of homeownership.
If you plan to buy with cash, you can set your own savings schedule and regularly track your progress toward the required sum. If you are financing with a mortgage, it is wise to check available offers and bank requirements well in advance - you shouldn’t assume lending terms dozens of months from now will mirror today’s.
You can also use this extra time to plan the interior finishing and furnishing. Thinking through the function of each room and your preferred design style right at the purchase stage is a smart move.
Which apartments are included in the Panoramiqa 2 offer?
The promotion covers apartments available at our Poznań development, Panoramiqa 2, located on Heleny Tadeuszak Street in Rataje. We have prepared a diverse selection of units ranging from approximately 29 to 81 m², including both compact layouts for singles and couples and larger floor plans suited for families. Depending on the selected unit, loggias or private gardens are also available.
Rataje offers direct access to public transport, shops, services, and recreational areas near Lake Malta and the Warta River. It is a location that works equally well for everyday living and long-term property investment.
What to keep in mind before using the 20/80 promotion?
Deferring most of the payment provides greater flexibility, but it still requires solid preparation. Before signing the agreement, carefully review several key points:
- Total apartment price – verify the property value and the exact amounts of both payment installments.
- Payment deadlines – make sure you know precisely when the initial 20% is due and when the remaining 80% must be settled.
- Financing method for the final amount – decide whether you will accumulate the required funds independently or use a mortgage loan.
- Additional expenses – factor in your budget for interior finishing, furnishing, and other costs associated with purchasing and preparing the unit for move-in.
Explore apartments at Panoramiqa 2 and discover the 20/80 terms
By introducing the 20/80 promotion, we want to give buyers the opportunity to choose their apartment early without committing the full purchase price upfront. This approach lets you distribute expenses differently, keep most of your capital at your disposal, and prepare ahead of time for property handover.
If you are considering buying an apartment in Poznań, check out the current Panoramiqa 2 offer. Use our property search tool to browse available units, compare floor areas and layouts, and contact our Sales Office to learn the detailed terms of the promotion and see which apartments are eligible.
Choose your apartment today and schedule the remaining payment for just before handover.