Financing a new home should make the project easier to control, not add another layer of uncertainty. The MICB Smart Purchase structure separates the buyer’s initial contribution from the larger payment released after the finished home is handed over.
How the 30/70 structure works
The buyer contributes 30% under the agreed financing conditions. The remaining 70% is provided by the bank after the handover requirements are met. Exact approval always depends on the bank’s assessment of the client and the project, but the logic is simple: most of the payment is connected to a completed result.
Why this matters during construction
Traditional construction often requires many payments to different contractors before the owner can see a finished product. A structured agreement creates clearer milestones, a single project scope and a documented handover. It also makes it easier to compare the project budget with the financing available.
What to prepare for the first review
- Your preferred home area and format.
- Information about the plot, if already selected.
- The available initial contribution.
- A target date for moving in.
LITHENZA prepares the technical and commercial information about the home; the bank makes the formal credit decision. Keeping these roles separate gives the buyer a clear contact for both parts of the process.
The contract remains the central document
Financing does not replace the construction contract. The specification, fixed price, schedule, handover conditions and warranties must still be written down. Before signing, we review what is included, what depends on the plot and which documents are required at each stage.