A 6-month payment plan completes at the standard price with no extra charge. A 12-month plan extends the completion window but adds 2% to the standard price. Choose 6 months if you can complete sooner; choose 12 months if you need more time to spread payments.
The standard 6-month plans
Most developers, including Bionet Homes, structure standard instalment plans — such as 50/25/25, 50/30/20 or 40/30/30 — to complete within 6 months, at the stated per-sqm price with no additional charge.
The 12-month extension
Buyers who need a longer runway can extend to 12 months. This typically adds a small percentage — 2% is common — on top of the standard price, reflecting the longer payment window.
A worked example
For an 18 sqm H-Central unit at Hossana Shopping Mall (NGN 2,200,000/sqm): the 6-month price is NGN 39,600,000. The 12-month price is NGN 39,600,000 × 1.02 = NGN 40,392,000.
How to decide
If your finances allow full completion within 6 months, the standard plans are the more cost-efficient route. If you need extra breathing room, the 12-month option provides that flexibility for a modest, clearly disclosed additional cost — never applied retroactively to the standard plans.
Try it yourself
Use the interactive calculator to compare both terms for your preferred unit.
Explore Hossana Shopping Mall
H-Central and H-Vista are available now, from 18 sqm.