Selling a plot on installments brings in more buyers, but it also creates months or years of follow-up. When dues are tracked in a register, late payments are noticed late, reminders depend on someone remembering, and the developer often finds out before you do.
1. Make the schedule clear on day one
Give every buyer a printed schedule with each amount and due date: down payment parts, monthly or quarterly installments, balloon payments and the possession amount. Buyers who know exactly what is due, and when, pay on time more often.
2. Look at dues every week, oldest first
Have one list of everything that is due or late, sorted with the oldest first. Check it every week, not at month-end. A payment that is one week late is a quick phone call; one that is three months late is a negotiation.
3. Remind politely, before and after the due date
A short, polite message a few days before the due date prevents many late payments. Keep the tone respectful: many buyers are simply busy. Send the exact amount and the due date, so there is nothing to look up.
Example: “Assalam o Alaikum Ahmed sahib, a gentle reminder that the installment of Rs 1,50,000 for Plot 103, Block A is due on 5 November. Thank you.”
4. Follow every cheque until it clears
A cheque received is not money received. Track each cheque from received to deposited to cleared, and act quickly if one bounces. Count only cleared money when you work out commission or send money to the developer.
5. Treat part payments correctly
If a buyer pays only part of an installment, the rest is still due. Your records should show the remaining amount as late, not as paid, so it is not forgotten.
6. Agree a clear rule for long delays
Decide with the developer what happens after a long delay: a final notice, a meeting, or cancellation under the booking terms. Apply the rule the same way for every buyer.
How Baalki helps
Baalki builds the payment schedule when the Booking File is made, shows a Dues list with the oldest first, tracks every cheque until it clears, and sends a polite reminder on WhatsApp in one tap from your own phone.
Common questions
How often should installment dues be checked?
At least once a week, with the oldest late payments first. Waiting until month-end lets small delays grow into large ones.
Should reminders be sent on WhatsApp?
WhatsApp is how most buyers in Pakistan prefer to be contacted. Keep messages short and polite, and include the exact amount, the unit and the due date.
Is a cheque counted as paid?
Not until it clears. Record it as received, follow it to the bank, and count it as paid only when the money is in your account.
See your dues in one list
Start a free trial and upload your existing files with what each buyer has paid.