"Instalments or pay it all now?" is asked at the sales office more often than any other question. The answer depends on what money you have today and what matters more — the final total or the size of the monthly payment. Below is how the terms work at the Gissar quarter, and a calculation on a real apartment from the catalogue. All the rates were published by the developer at the excavation stage.
How the price works at Gissar
The price is tied to the apartment's floor, not to its plan type:
| Floors | Instalment rate | With 100 % payment |
|---|---|---|
| 2–4 | 15.5 mln soum/m² | 12.75 mln soum/m² |
| 5–7 | 15.3 mln soum/m² | 12.75 mln soum/m² |
| 8–11 | 15.1 mln soum/m² | 12.75 mln soum/m² |
| 12th (blocks A, B) | 20 mln soum/m², terrace included | on request at the office |
The full-payment rate of 12.75 million soum per m² applies to the residential floors 2 to 11. The developer puts the saving at ≈15–18 % depending on the floor. It is the only special offer: there are no separate discounts for particular floors or plans.
The instalment terms
- Instalments directly from the developer — no bank, no approvals.
- A down payment from 20 %: 20, 30, 40 or 50 %.
- A term of up to 24 months.
- The price is fixed at the excavation stage.
- Reservation — 5 working days, free of charge.
There is no mortgage today. It opens at the next construction stage, once the build reaches about 30 %; the banks have confirmed they are ready to work with the project. We do not present a mortgage as available now.
For the sales office to calculate exactly, three things are enough: the apartment number from the catalogue (or the number of rooms and the floor), the payment option and, for instalments, the size of the down payment. The calculation for both options comes back in reply to your enquiry.
Example: apartment No. 0704
Take a real apartment from the catalogue: three-room No. 0704, 7th floor, 92.25 m², a 9.55 m² balcony. The seventh floor falls into the "5–7" step, so the rate is 15.3 million soum per m².
Option 1 — instalments
Price: 92.25 m² × 15.3 mln = 1,411.4 mln soum (≈1.41 bn).
| Down payment | Amount | Balance | Monthly payment (24 months) |
|---|---|---|---|
| 20 % | 282.3 mln | 1,129.1 mln | ≈47.0 mln |
| 30 % | 423.4 mln | 988.0 mln | ≈41.2 mln |
| 40 % | 564.6 mln | 846.9 mln | ≈35.3 mln |
| 50 % | 705.7 mln | 705.7 mln | ≈29.4 mln |
Option 2 — 100 % payment
Price: 92.25 m² × 12.75 mln = 1,176.2 mln soum (≈1.18 bn).
The difference between the two options is 235.2 million soum, or 16.7 % of the instalment price. That is the "saving of ≈15–18 %" from the terms: on floors 2–4 it is higher, on floors 8–11 lower, because the instalment rate there is closer to 12.75.
For comparison — a two-room apartment
A two-room apartment of 65.91 m² on a floor in the 2–4 range: with instalments 65.91 × 15.5 = 1,021.6 mln soum; with 100 % payment 65.91 × 12.75 = 840.4 mln. The difference is 181.3 mln, or 17.7 %.
How to read these figures
One caveat matters here, and we repeat it everywhere on the site. The price of a specific apartment is a calculation, "area × published rate", not an approved price list by type. The final amount, the payment schedule and the contract are confirmed by the sales office; the calculation is not a public offer. As soon as the developer approves prices by type, they replace the calculation in the catalogue.
Two more things to keep in mind:
- What is not included. A parking space is sold separately; its price is not yet approved and parking sales are temporarily closed.
- What is included. The apartment is handed over as shell and core — you fit it out your own way. The 12th floor of blocks A and B comes with a terrace.
Which to choose
Full payment gives the lowest total and one simple transaction. Instalments over 24 months keep your money working and lock in the excavation-stage price, and you can choose the down payment so that the monthly figure is manageable: in the example above, the range is ≈29 to ≈47 million soum a month.
There is also a third scenario: reserve the apartment for 5 working days and compare both options calmly with your family. The reservation is free and commits you to nothing.
There is no universal answer, but there is a calculator on the project page — it uses the same rates as this article — and a catalogue where every apartment already shows the calculation for both options. If it is easier to work it out together, leave your number in contacts: we will send the calculation for the apartment you choose and check its status.