The Title payment plans, fees and the full cost of buying

How the 25/25/25/25 schedule works

Almost all The Title new builds use the same structure. First you pay a booking deposit, a fixed amount that takes the unit off the market and counts towards the price. The price is then split into four equal parts:

• 25% on signing the sale and purchase agreement
• 25% as the first construction-stage payment, per the contract schedule
• 25% as the second construction-stage payment
• 25% at handover and registration at the Land Office

Why the instalment plan works for the buyer

You pay half the price once the building is already standing, and a quarter on the day you get the keys. The price is locked on booking day: the developer raises the price list as construction progresses, while your contract keeps the original price. At Adora Rawai, for example, sales started in 2025 from ฿115,000 per sqm; by October 2026 the price list stood at ฿158,000–175,000.

The 25/25/25/25 plan applies at Legendary, Heritage, Serenity, Cielo, Adora, Katabello, Coralina, Sierra, Olive, Vivana, The Balcony, Biancana, Villa Kirara and the new KUARTZ and FIZZ launches. Completed buildings use a shorter schedule: at Halo 1 Nai Yang it is 50% at contract and 50% at transfer. Modeva uses three 25% payments after booking — details are in the contract for each unit.

For freehold, each payment is sent from abroad in foreign currency, and the bank issues a confirmation (FET or credit advice) for each one. The plan helps here too: transfers are spread over two to three years rather than one large sum.

Owner fees: sinking fund and common fee

On top of the unit price, every condominium owner pays two fees. The sinking fund is a one-off contribution to the building's reserve for major repairs, paid once at handover and charged per sqm. The common area fee is a monthly charge for upkeep: security, cleaning, pools, gardens, lifts and building insurance. It is often invoiced a year in advance.

Rates for The Title projects as of October 2026:

• Serenity Nai Yang — ฿750/sqm one-off, ฿75/sqm per month
• The Katabello Kata — ฿800/sqm, ฿80/sqm per month
• The Title Sierra Bang Tao — ฿800/sqm, ฿80/sqm per month
• The Title Cielo Rawai — ฿850/sqm, ฿85/sqm per month
• The Adora Rawai — ฿850/sqm, ฿85/sqm per month
• The Modeva Bang Tao — ฿850/sqm, ฿85/sqm per month
• Coralina Kamala — ฿850/sqm, ฿85/sqm per month
• The Title Olive Nai Yang — ฿850/sqm, ฿85/sqm per month
• The Title Vivana Kamala — ฿850/sqm, ฿85/sqm per month
• The Title Heritage Bang Tao — ฿85/sqm per month

Transfer costs

On transfer day at the Land Office, the following government fees and taxes are due:

• transfer fee — 2% of the unit's appraised value
• specific business tax — 3.3% if the seller has held the property for under five years, otherwise stamp duty of 0.5%
• withholding tax — paid by the seller

Who pays the fees and taxes

Who pays what is set by the contract. Typically the 2% transfer fee is split 50/50 between buyer and seller, and the seller's taxes are paid by the seller — the developer, if you buy from them. The Land Office appraised value is usually below the contract price, so in practice the fee comes out lower than 2% of the price.

Example: the full entry cost of a Sierra unit

An illustrative calculation on an actual unit from the developer's price list of 16.10.2026: The Title Sierra Bang Tao, one bedroom, 28.4 sqm, price ฿3,145,400, completion Q3 2028. To stay on the safe side, the transfer fee is calculated on the full price rather than the appraised value.

• contract — 25%: ฿786,350
• first construction payment — 25%: ฿786,350
• second construction payment — 25%: ฿786,350
• handover — 25%: ฿786,350
• sinking fund 800 × 28.4 sqm: ฿22,720 one-off
• half the transfer fee (1% of price): up to ฿31,454
• common fee 80 × 28.4 sqm: ฿2,272 a month, ฿27,264 for the first year
• total by key handover, including the first year of fees: about ฿3,226,800

What the calculation shows

So entry costs about 2.6% above the unit price — and about a third of that is the first year of service charges, which you would pay in any case. After that, an owner's yearly costs are the common fee, metered utilities and, optionally, contents insurance.

If you buy an assignment, the schedule continues from where the first buyer stopped: you reimburse what they have already paid and then pay the developer on the same schedule. Our assignment guide explains how it works.

The calculation is illustrative; exact amounts are in the contract for your unit.