The minimum down payment to purchase a unit in Sea Breeze is typically 20%-30% of the project's value. In special campaigns offered through TREVA Real Estate, particularly for the Arabian Ranches, Reportage Heights, and Panorama by ELIE SAAB projects, a 30/70 model is applied, which allows for a monthly payment of 0 AZN during the construction period.

Payment plans for Sea Breeze projects are now different.

The four main Sea Breeze projects (Arabian Ranches, Reportage Heights, Panorama by Elie Saab, and Marina Village) where TREVA serves as a partner offer buyers a more flexible payment structure. Currently, in many of these projects, the down payment can be as low as 20%, with even more favorable terms available through special campaigns. As a specific example, I can point to the active 30/70 campaign at Arabian Ranches. In this model, the buyer pays a 30% down payment on the property's value and makes a monthly payment of 0 AED during the construction period; this means there is no additional burden on the buyer's cash flow. The remaining 70% is paid upon handover, i.e., when the apartment is fully ready. The same 30/70 model is also active for the Reportage Heights and Panorama by ELIE SAAB projects. This structure is in line with international standards and marks a significant change for the local market: developer-investor relationships are now based on a more precise allocation of mutual risk, while the buyer gains the ability to manage their capital more flexibly.

Why is this important from a financial perspective?

The question seems simple: which payment plan is better? The answer, however, depends on the buyer's profile, and to answer this question correctly, it is necessary to consider three variables at the same time: opportunity cost, capital freedom, and the total payment burden.

• A 50% or higher down payment typically results in a larger discount. For the developer, this represents an on-balance-sheet security; for the buyer, it's a short-term concession. However, 50% tied up in equity could earn an 8–12% annual return in another investment. This lost income, or opportunity cost, is a real figure and should be considered when choosing a payment plan.
• Models like 30/70 or 20/80, however, work with a different logic. The buyer puts down a small amount of capital upfront, keeps the rest of their capital in alternative assets, benefits from the appreciation in the apartment's value during construction, and pays the remaining balance upon keys, typically in exchange for the now-appreciated asset. This is the application of the classic leverage principle to real estate; unlike a bank loan, however, the interest cost is subsidized by the developer.

Our observations as the Data team show that the 30/70 model is particularly optimal for two categories of buyers:

• first, buyers who invest with the aim of rental income or capital appreciation;
• Second, families who plan to make the apartment their primary residence but are deterred by the monthly payment burden during the construction period. A 50% or higher down payment, however, makes sense for buyers who want to deploy their capital immediately and prioritize getting a discount.

Sea Breeze Project Prices and Investment Attractiveness

Sea Breeze home prices are determined by the project's zone and the apartment's proximity to the sea. Price appreciation on TREVA Real Estate's Sea Breeze portfolio projects is highly profitable compared to the initial capital the buyer invested during the construction period. Note: In the 30/70 model, an investor who makes a 30% down payment benefits from 100% of the property's value appreciation. This is the most effective financial structure offered by real estate agencies in Baku.

3 Steps to Buy an Apartment in Sea Breeze

• Project Selection: Choose the project that aligns with your goals from Arabian Ranches, Reportage Heights, or Panorama by ELIE SAAB.
• Financial Analysis: Sea Breeze, formalize the minimum down payment (20% or 30%).
• Key Handover: Wait to receive the keys to your apartment without any additional payments during construction, and pay the remaining 70% when the apartment is ready.

Are there any payments during the construction period under the 30/70 payment plan? No. After the initial 30% payment, no monthly payments are required until the unit is delivered.

Which Sea Breeze projects have the 30/70 model active? Currently, this model is offered in the Arabian Ranches, Reportage Heights, and Panorama by Elie Saab projects. Specific campaign terms for Marina Village can be confirmed with the TREVA team.

Does the final price of the apartment change when the down payment is lower? No. Since the in-house financing is interest-free, the final price of the apartment does not change regardless of the payment plan selection. A higher down payment can simply result in a larger discount; the payment plan itself does not increase the total amount.

What is the main difference between an in-house loan and a 30/70 model? In the in-house loan model, the buyer makes monthly payments during the construction period; in the 30/70 model, there are no payments during construction, and the remaining balance is paid as a single payment upon keys.

Which projects offer the opportunity to own a home with a 20% down payment? Several projects within Sea Breeze offer the option of a 20% down payment at various stages. It is recommended that you contact the TREVA team directly to learn about the current available options and the payment structures for each project.