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Can you buy a new condo with 5% down?

January 15, 2014 - Updated: January 15, 2014

Can you buy pre-construction condos with 5% down?


I get asked this question a lot, whenever I tell my clients about the 20% usually required for a pre construction condo.  Most developers as a rule of thumb ask for 20% down payment , split into three or four payments. 

However there are times when you can get into a pre-construction condo with as little as 5% down.  Usually this is after the VIP sale has ended and we are in the fall or winter months when developers want to push along sales(fall and winter months of course are the slowest for real estate sales).  Developers will come up with great promotions that are designed to make the trip to their sales office less agonizing.


The disadvantage of course is that most likely the VIP sales are already done, so you might not get the first pick at the units but remember you are still buying at pre-construction prices and most times there are great deals.  One thing to keep in mind is that not all the builders will do this, and when they do it's only for a limited time.  So if you are watching for something like this it's best to have a condo specialist work on your behalf, they usually get notice from the builders before the sale goes on. 


If you want to buy a pre-construction condo but don't have the 20% down payment,  now you have choices.  For a list of pre-construction condos with 5% down payment  contact your real estate agent or contact me directly at 416-333-9393 or by e-mail

Tagged with: new condo vip condo 5 downpayment vip condo toronto
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Schuren Sriskandarajah Sales Representative

HomeLife/Future Realty Inc. Brokerage

Independently owned and operated

7 Eastvale Drive, Unit 205, Markham ON, L3S 4N8

Direct: 416.333.9393

Office: 905.201.9977

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