A Phuket off-plan buyer usually asks about the payment plan before asking the price per square metre: a Thai mortgage is out of reach for most foreigners, and a developer’s construction-period instalment plan is the one practical way to spread the cost. We didn’t search project text for the word "instalments" — this collection reads the machine payment field: the moment a developer publishes even one step of a schedule on a project under construction, it qualifies. The result is 76 projects: 34 villas, 33 condos, 6 apart-hotels and 3 mixed-use master plans. Median price $319,007, ranging from $87,852 (The Title Sierra, a condo in Bang Tao) to $7,948,275 (Villa Escape Residences, a villa in Ko Kaew).
56 of the 76 listings publish a schedule with actual percentages per stage. The typical structure: a 1–3% deposit at booking (most commonly exactly 2%) locks in the unit, a larger 28–48% payment follows at contract signing, and the remainder is split across several instalments tied to construction milestones, settled in full by handover. A few developers ask for more upfront — Hennessy Karon and Sunhills Layan both take a 35% deposit at booking. The remaining 20 listings describe the option without figures — wording like "schedule agreed after signing" is typical of the Botanica series — those projects are still in this collection, but the exact numbers need confirming directly with the developer.
The collection skews toward the districts with the most active construction right now: 33 of the 76 projects sit in Bang Tao (the Botanica cluster plus the Laguna master plans), another 8 in Rawai, 6 each in Thalang and Layan, 4 each in Karon and Nai Harn. A separate and much rarer condition is a plan that keeps running after handover: only 14 catalogue listings genuinely confirm that, and they have their own "Post-handover payment plans" collection — we name a few by name below.
Phuket’s first eco condo-hotel (EDGE): Phase 1 operating since 2024, Phase 2 completes in 2026
A self-contained seaside eco-quarter 700m from Layan beach — VillaCarte Group’s flagship
Condo near Layan beach: 388 units, completion Q4 2027, interest-free 5-stage instalments
Condo complex between Layan and Bang Tao: 135 units, completion 2027–2028, entry from ~$172,000
Resort residences across 12 ha of tropical gardens, ~50m to the sea between Bang Tao and Layan
Villas and apartments near Layan Bay managed by Minor Hotels — part of the Anantara ecosystem
The most affordable off-plan condo from The Title in Bang Tao — studios from 28 sqm, completion estimated September 2028
A debut OWOH Group condo complex in Bang Tao with a restaurant, spa and tennis court
An Origin Property condo with its own lagoon, 550 m from Boat Avenue, Bang Tao
Hotel-investment residences under managed rental in Cherng Talay — a low entry ticket for the Bang Tao area
A Sansiri condo between Bang Tao and Surin with a lagoon pool and a pet-friendly grounds
The Title off-plan condo near Boat Avenue in Bang Tao — 789 apartments in neo-colonial style
A large off-plan condo from The Title in Bang Tao — 859 units, interest-free 2-year instalments
263 units in Bang Tao by Art House Group — 500 m to Boat Avenue, a 5% income guarantee for 3 years
A large condo complex on the border of Bang Tao and Layan with 5 pools and rich amenities
A Laguna condo phase by the resort lakes: Phase 1 completed in 2024, the second (Aster) is under construction to 2028
The first Marriott Autograph Collection residence in the Asia-Pacific region — 408 apartments near Bang Tao
A 300+ unit condo next to Blue Tree and Boat Avenue in Bang Tao
Banyan Group’s 100+ ha mega-project: seven lakes, five precincts, villas and condominiums next to Laguna Phuket
The first residential phase of the Laguna Lakelands mega-project: 220 units across three low-rise buildings with a rooftop infinity pool
A 49-unit boutique Laguna condo right by the Bang Tao waterline — nearing handover, 49% freehold quota
Compact villas near Bang Tao with an 8% guaranteed yield for the first 3 years
Private-pool villas and townhouses 5 minutes from the Laguna Phuket infrastructure
An eco villa complex with rooftop farms and a wellness centre 5.6 km from Bang Tao
The Standard-branded apartments by Central Group, Sansiri and Standard International in Bang Tao
A compact 31-villa community in Cherng Talay, 6.9 km from Bang Tao beach
Villas and townhomes within a masterplan with a boutique resort and tennis academy between Layan and Bang Tao
Condo residences under Banyan Group’s new wellness brand, 200 m from Bang Tao Beach
A boutique 8-villa estate in Bang Tao with smart-home tech and solar panels — off-plan, under active construction
A compact boutique enclave of 4 villas in the Bang Tao belt — by developer Fivewood Estate
A gated club enclave of 22 villas inland from Bang Tao — a private pool with jacuzzi at every villa
Off-plan The Title villas in an inland Bang Tao location — five layouts from 3 to 4 bedrooms
A Banyan Group condo inside Laguna Phuket resort — ~300–350 m to Bang Tao beach, penthouses with rooftop pools
A boutique estate of just 9 villas with plots up to 1,065 sqm in Thalang
A 6-villa club estate near Bang Tao with a guaranteed yield for the first 2 years
Lakeside villas in Cherng Talay with a ~2,000 m² clubhouse for long-term rental — off-plan, from ~$1,109,626
Sansiri’s first pool villa collection on Phuket — 13 homes in Bang Jo near Bang Tao
Villas on a private lake in Bang Tao with private pools and waterfront lots
Large gated-club villas in Layan/Bang Tao — Botanica’s top price tier
A condo 400 m from Surin beach with a retail gallery on the ground floors
A Kamala condo complex with a wide layout range — from compact studios to pool-view penthouses
Botanica villas on one of the last plots within the MontAzure estate above Kamala
A 197-unit condo 1.9 km from Patong beach with a 70/30 rental model — from ~$124,630
A 214-unit investment condo 900 m from Karon beach with guaranteed rental yield
A 309-unit condo complex 5 minutes from Karon beach, with coworking and multiple pools
Art House Group’s art-deco condo village 500 m from Karon Beach, with a 3-year income guarantee
A compact club of sea-view villas in Karon — a rare format for this part of Phuket
A compact condo by Origin Property 950 m from Kata — walking access to two beaches
A large off-plan condo by The Title near Kata Beach — 760 units, 20+ amenities, handover est. 2027
21 villas and townhouses with panoramic ocean views on the Kata–Karon border — a private pool at every unit
A mixed quarter of apartments, townhouses and villas by Utopia, 900 m from Nai Harn beach
A condotel managed by Burasari Group, 1.2 km from Nai Harn beach
A new apartment quarter next to Utopia Dream, between Nai Harn and Rawai
A villa community with 2–4 bedrooms and a shuttle to Nai Harn beach
Condos in the Saiyuan area of southern Phuket with a full rental service — from ~$105,652
A large investment condo complex in Rawai with 4 pools and a 6% yield guarantee
A compact off-plan condo from The Title near Rawai beach — 171 units, completion estimated September 2026
A boutique condo 200 metres from Rawai beach with a guaranteed rental program
A 160-unit condo from a developer with completed projects in Rawai
210 units 400 meters from Rawai Beach — a new project from The Title brand
A club community of 16 villas in Rawai with a 7% yield guaranteed for 3 years
A boutique club of just 4 villas in Rawai — a private jacuzzi pool at every home, developer installments
A 37-villa complex with flexible layouts in Chalong — off-plan with a ~7% projected yield
Off-plan eco villas in Chalong with solar panels and a smart home system
Botanica villas in Chalong — 28 units, the stated completion date has already passed with no confirmed handover
The final collection of 4 villas within the Sri Panwa resort on Cape Panwa
Oceanfront villas on the private island of Koh Maphrao — managed by hotel group Burasari
A compact pool-villa cluster near Si Sunthon, close to international schools
A large club of compact villas with its own clubhouse infrastructure in Nai Thon
A large gated Botanica villa community in inland Thalang — one of the brand’s most accessible entry points
An intimate club of 6 villas with large 4×9 m pools in inland Thalang
Villas with 3–6 bedrooms in the Si Sunthon foothills: not beachfront, but a noticeably lower price per sqm than coastal projects
A club community of 8 Balinese-style villas with a marble-clad pool, inland from Bang Tao
An intimate club of ten private-pool villas on the border of Nai Thon and Bang Tao
A pet-friendly off-plan condo from The Title in Nai Yang — 291 units, completion 2029
An intimate club of just five Balinese villas next to Phuket airport
The shape repeats even when the numbers differ: a deposit at booking (1–3%, most often exactly 2%) locks in the unit and the price; contract signing brings a larger payment of 28–48% of the total; the balance splits into several instalments tied not to calendar dates but to construction stages — foundation, structure, finishing — and clears by the time the keys are handed over. This construction-period plan is almost always interest-free: the developer prices the cost of money into the unit upfront rather than charging it as a separate line.
A regular schedule zeroes out on the day of handover — by completion the unit is paid in full. In 14 of our catalogue’s projects, part of the price is paid after that point instead — a differently structured and, for an investor, considerably more valuable format. Three examples: the Laguna cluster (Banyan Group) runs structured plans for up to 5 years after handover; Gardens of Eden splits the price in half, with 50% paid in instalments for up to 3 years after handover; Rise Villas leaves 30% over 3 years. We don’t rebuild that list here — the full set of 14 projects and their individual terms live on the dedicated "Post-handover payment plans" page.
Thai banks rarely lend to foreigners, so a developer’s instalment plan isn’t a perk — it’s the working way into the market without a bank, credit history or income statements. The trade-off is a different kind of risk: you’re paying a company, not a regulated bank. Before any deposit, check the developer’s financial standing and construction pace as carefully as the schedule itself, and read the default and title-transfer terms in the contract rather than the sales deck.
A 1–3% deposit at booking (most often 2%) locks in the unit, contract signing brings 28–48% of the total, and the balance splits into several instalments tied to construction stages through to handover. 56 of the 76 projects in this collection publish that schedule with actual figures; some, like the Botanica series, agree it individually after signing.
14 projects in the catalogue genuinely do. Three by name: the Laguna cluster under Banyan Group runs structured plans for up to 5 years after handover; Gardens of Eden splits the price in half, 50% in instalments over up to 3 years after handover; Rise Villas leaves 30% over 3 years. The full list and each project’s terms are on the "Post-handover payment plans" page.
The terms sit in that developer’s own sale-purchase contract, not in a general law: typically a short grace period, then interest on the overdue amount, and after prolonged default the developer’s right to terminate the contract and keep part of what you’ve already paid as a penalty. Read this clause before any deposit rather than finding out after the fact — especially if payments are wired from abroad and bank delays are a real possibility.
A mortgage isn’t really an option for a foreign buyer in Thailand: local banks rarely lend to non-residents, and on worse terms than a developer’s plan. On Phuket, the instalment plan isn’t an alternative to a mortgage — it’s the working substitute: no bank, no credit history, no income paperwork, but with your money depending on one company’s financial health instead of a regulated lender.
20 of the 76 projects in this collection describe the option to pay in instalments without figures — usually an early sales stage, where the schedule is still being set as construction progresses (typical of the Botanica series). That’s not a reason to rule the project out, but it is a reason to ask the sales office for a concrete schedule and get it written into the reservation agreement before any deposit, rather than relying on a verbal "we’ll work it out later".
| Type | Units tracked | Median price |
|---|---|---|
| Studio | 15 | ~$136,726 |
| 1 bedroom | 39 | ~$202,900 |
| 2 bedrooms | 37 | ~$328,600 |
| 3 bedrooms | 37 | ~$806,500 |
| 4+ bedrooms | 20 | ~$1,948,614 |
Calculated from 145 unit-mix rows in our catalog; medians refresh with every update.
Our catalog currently tracks 76 projects — off-plan projects with a recorded developer instalment schedule: 34 villa estates, 33 condominiums, 6 condo-hotels, 3 mixed-use projects. This is a live market snapshot — the page rebuilds with every catalog update, so the numbers below are current as of the date in the header.
New-build entry starts from ~$87 852 (The Title Sierra); the median entry is ~$326 488, and the median price per square metre is ~$4 011/m². Medians are steadier than averages: a single ultra-luxury lot cannot skew them.
76 projects are under construction and 0 are completed and occupied. Completions are spread as follows: 2024 — 1 project, 2025 — 5 projects, 2026 — 17 projects, 2027 — 26 projects, 2028 — 9 projects, 2029 — 1 project, 2030 — 1 project. The closer the handover, the smaller the waiting discount — the lowest prices historically belong to early phases.
Prices by unit type (entry and catalog median): studios — from ~$87 852, median ~$136 726 (15 listings); 1-bedroom units — from ~$97 458, median ~$202 900 (39 listings); 2-bedroom units — from ~$160 000, median ~$328 600 (37 listings); 3-bedroom units — from ~$304 800, median ~$806 500 (37 listings); 4+ bedroom units — from ~$709 376, median ~$1 948 614 (20 listings).
23 of 76 projects put the beach within walking distance (~1 km); 73 offer a managed rental program or pool; 11 have sea-view units. For investors these are the three yield filters that matter most: walkable beach and managed rentals historically deliver the best occupancy.
The slice covers 56 developers; the most represented are Botanica (AAP Development) (7 projects), The Title (RHOM BHO Property) (6 projects), Banyan Group (Laguna Property) (3 projects), VillaCarte Group (2 projects). Developer diversity reduces risk — compare delivery track records, not just prices; every developer has its own page in the catalog.
Overview prepared by Artem Bukhkalov — authorized partner of VillaCarte Group & Layan Verde · artemphuket.com
Availability changes weekly and isn’t published here. We’ll send the list of free units, an honest read on the negotiating room, and a net-yield calculation for your unit with every cost included.
Take the PDF: developer prices, one-off fees, owner costs and net yield — on the current price list. Or message us on WhatsApp, we reply within 15 minutes.
