---
title: Real Estate Installment and Payment Plan Software | XSquare
description: Build any payment plan as a reusable template, with grace periods and balloon payments. Manage sale and rental contracts, transfers, swaps and refunds.
---

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- Contracts and payment plans
Contracts and payment plans
# Any payment plan, exact to the piaster.
Your finance team builds each offer once as a template and reuses it across projects. Every contract signed on it adds up to the price, and every change after signing goes through approval.
[Book a demo](https://aqartab.com/demo)
Image: Payment plan template with down payment, duration and period rules
Simplified drawing of the real screen, demo data.
In short
XSquare Real Estate builds installment plans from reusable templates with down payments, grace periods, handover installments and period rules. The total is checked against the price before saving, and contracts go through sales and finance approval.
Used by[Sales operations](https://aqartab.com/departments#salesops)[Accounts receivable](https://aqartab.com/departments#ar)

## Configure any offer without code
A launch offer like “8 years, 30% in year one” is live the same day.
- Six frequencies, from monthly to annual, or any custom interval
- Down payment as a percentage or fixed amount, split into parts
- Grace periods, handover installments and maintenance deposits
- Cash discounts, plan markups and yearly installment growth
- Period rules with front-loaded, back-loaded or balloon distribution
- Limit templates by project, unit type, price range and validity dates

## Contracts from draft to running
Sales confirms, finance checks the accounts and approves. Only then does the contract run and the unit become sold.
- One model for ownership and rental contracts
- Every installment shows its cheque, status, invoice and payment
- Contracts generated from your own Word template, as Word or PDF
- Arabic contracts with correct right-to-left text and amounts in Arabic words
- A checklist of required documents per kind of contract
Image: Ownership contract with customer, unit, plan and collection totals
Simplified drawing of the real screen, demo data.

## When life changes, the numbers stay right
Buyers reschedule, settle early, swap units or sell on. Each change has its own controlled path.
- Transfer to a new buyer with a fee, paid by either side
- Swap the unit, with what is already paid counted toward the new one
- Cancel with refund: credit notes, fee and refund in one window
- Reschedule the open balance, or settle early with a discount
Image: Window to transfer a contract to a new buyer with a transfer fee
Simplified drawing of the real screen, demo data.

## Approval for what costs real money
After signing, installments change only through an approved modification. The deviation is calculated from the requested change, never typed in.
- Tolerance rules per template: what may change, by how much, who approves
- Manager, director and executive levels, and rules that really block
- Small changes cannot be stacked to avoid approval
- Requesters cannot approve their own changes
Image: Plan modification with calculated deviation and approval route
Simplified drawing of the real screen, demo data.
Questions

## Common questions

### Can it handle long plans with balloon payments?
Yes. Period rules divide a plan into stages, each with its own share of the price, frequency and distribution, including balloon payments and calendar deadlines such as a construction milestone.

### How do you make sure a plan equals the price?
The plan is checked against the price before saving, and any rounding remainder lands on the last installment, so the total is exact to the piaster.

### Can we use our own contract wording?
Yes. Upload your Word contract once and map its placeholders. The system generates the filled contract as Word or PDF, in Arabic or English.

### Does it support rental contracts?
Yes. Rent can be fixed or per area, with security deposits, yearly increases and one-click renewal.
Keep exploring

## Related features
Image: Cheque register with post-dated cheques by status and bank
[

### Cheque printing and management
104 bank layouts, one-run printing and the full cheque life cycle.
See the feature
Image: Collections dashboard with due and collected amounts, overdue by age and forecast
](https://aqartab.com/cheques)[

### Invoicing and collections
Invoices on the due date, reminders, penalties, promises and aging.
See the feature
Image: Stacking plan overview with a card for each building, coloured by price per square metre
](https://aqartab.com/collections)[

### Pricing Studio
Pricing matrix, stacking plan, releases, plan value and absorption.
See the feature
](https://aqartab.com/pricing)

## See it on your own project.
Bring your project, your payment plans and your hardest questions. We walk you through the system in a live demo.
[Book a demo](https://aqartab.com/demo)