What you get
- Every buyer’s schedule, receipts and balance on one file
- Overdue installments known the day they fall due
- Late fees, waivers and transfers on record with who approved them
Plots · Flats · Shops · Pakistan
Installment management software for plots, flats and shops in Pakistan
Create every buyer’s installment schedule from your plan, post receipts against it, see who is overdue today, and send reminders on WhatsApp, in PKR, without a register or a spreadsheet.
- Daily work on every plan
- Published PKR pricing
- Onboarding by our team
Overview
Installment management for construction businesses in Pakistan
For a builder who sells on installments, the business is not finished when a plot or flat is booked. It is finished when the last installment is paid, and that can be three or four years later. In between sit dozens or hundreds of buyers, each with their own schedule, their own receipts and their own story about why this month’s payment is late.
Most Pakistani developers still run this from a register, an Excel file or both. The schedule is typed by hand at booking, receipts are written in a separate book, and the question “who is overdue today?” takes an afternoon to answer. When a buyer disputes a balance, the office looks for slips. When a file is transferred, the history is copied into a new row and the old one quietly stops being updated.
Installment management software keeps each buyer’s schedule, receipts, charges and transfers on one file. The schedule is created from the plan you sell on, each payment is posted against the installments it pays, and the overdue list is simply what the record already shows. Reminders go out on WhatsApp, and late charges or waivers carry the name of whoever approved them.
Core capabilities
- Installment plan templates: down payment, monthly, quarterly, balloon and on possession
- Schedules created on booking from the price and the plan
- Receipts by cash, bank or cheque, posted against installments
- Due and overdue lists, reminders on WhatsApp and demand notices
- Late-payment charges and waivers with approval
- Transfers that keep the payment history, then possession
- A private statement link for each buyer
How it works
How the work runs, step by step
The same sequence your office and sites already follow, in one system instead of registers, spreadsheets, and WhatsApp threads.
Set up units and prices
Plots, flats and shops with their size and block, priced from a price list with extras such as corner or park-facing.
Define your installment plans
Down payment, monthly or quarterly installments, balloon payments and the amount due on possession, kept as templates.
Book the unit
The booking fixes the price and the plan, and the full schedule of due dates and amounts is created from them.
Post receipts
Cash, bank transfer or cheque, each posted against the installments it pays, with a receipt the buyer can keep.
Chase what is overdue
The overdue list shows who owes what today; reminders go on WhatsApp, and late charges or waivers are recorded with who approved them.
Transfer and hand over
A transfer keeps the full payment history on the same file, and possession closes it once the balance is clear.
Capabilities
What it helps your team do
The daily work below is on every plan; some advanced controls start on Growth or Scale. The pricing page shows what each plan includes.
Plans as templates, schedules from the plan
A plan is a set of rules: a down payment, a number of monthly or quarterly installments, balloon payments at set points and an amount on possession. At booking the price and the plan produce the full schedule of dates and amounts, the same way for every buyer.
Receipts that pay specific installments
A payment by cash, bank transfer or cheque is posted against the installments it settles, oldest first unless you choose otherwise, and the buyer gets a printed receipt. A cheque that returns is recorded as returned, and the installment is due again.
An overdue list that is always current
Because every receipt is posted against the schedule, what is overdue is known the day it falls due. The list shows each buyer, the amount, how late it is and when they were last reminded.
Reminders and demand notices
Due and overdue reminders go to buyers on WhatsApp, and demand notices can be printed or sent, so chasing is a routine rather than a round of phone calls nobody records.
Late charges and waivers with approval
Late-payment charges follow the rule you set, and a waiver is recorded with the reason and the person who approved it, so the decision can be seen later instead of argued about.
Transfers, possession and the buyer’s own statement
A transfer moves the file to the new owner and keeps every payment made before it. Each buyer can be sent a private link to their own statement, which removes most “how much do I still owe?” calls.
Before and after
What changes in practice
The same work, run the way most contractors run it today and the way it runs on the platform.
- Spreadsheets and WhatsApp threads: Schedules typed per buyer
- On Smart Construction: Schedules created from the plan at booking
- Spreadsheets and WhatsApp threads: Receipts in a separate book
- On Smart Construction: Receipts posted against installments
- Spreadsheets and WhatsApp threads: Overdue buyers found at month end
- On Smart Construction: An overdue list every morning
- Spreadsheets and WhatsApp threads: Reminders by phone, unrecorded
- On Smart Construction: WhatsApp reminders with a record
- Spreadsheets and WhatsApp threads: Waivers granted by phone
- On Smart Construction: Waivers with a reason and an approver
- Spreadsheets and WhatsApp threads: Transfers that lose history
- On Smart Construction: Transfers that keep the full file
Side by side
Smart Construction vs a spreadsheet vs general accounting software
What most contractors in Pakistan use for this today, and where each one stops.
| What you need | Smart Construction | Excel or a register | General accounting software |
|---|---|---|---|
| Installment schedule | Created from the plan at booking | Typed per buyer, dates changed by hand | Invoices, not schedules |
| Receipts | Posted against installments, receipt printed | A row in one sheet, a slip from another book | A customer payment without the schedule |
| Who is overdue today | An overdue list, always current | Worked out when someone asks | An aged balance, not by installment |
| Reminders | On WhatsApp, with a record of who was reminded | Phone calls nobody logs | Email statements |
| Late fees and waivers | Charged or waived with approval on record | Decided case by case, rarely written down | Not built for installments |
| Transfers | New owner on the same file, history kept | A new row, history lost | Not available |
Use cases
Situations this is built for
Recognisable scenarios from construction businesses operating in Pakistan.
Two hundred buyers on one register
- The situation
- A developer selling a housing scheme on three-year plans keeps schedules in Excel and receipts in a book. Month-end reconciliation takes the accountant a week.
- How Smart Construction handles it
- Schedules are created from the plan at booking and receipts are posted against installments as they come in.
- What changes
- The overdue list is ready every morning, and month end is a report, not a reconciliation.
A buyer disputing their balance
- The situation
- A buyer insists two installments were paid in cash. The office cannot find the slips, and the conversation turns into an argument.
- How Smart Construction handles it
- Every receipt, with its date, method and the installments it paid, is on the buyer’s file, and the buyer has a link to their own statement.
- What changes
- The dispute is settled from the record in minutes, and most never start because the buyer can see the same statement.
Waivers granted by phone
- The situation
- Sales staff waive late fees to keep buyers happy. By the end of the year nobody knows how much was waived or by whom.
- How Smart Construction handles it
- Late charges follow one rule, and a waiver needs a reason and an approver, both kept on the file.
- What changes
- Waivers become a decision management can see and control, not a leak.
Benefits
What improves, and why it matters
Faster collections
Overdue amounts are seen and chased on the day they fall due, not discovered weeks later.
Fewer disputes
Every receipt and charge is on the buyer’s file, and buyers can see their own statement.
Less office work
Schedules, receipts and balances come from one record instead of three books.
Control over waivers
Every waiver has a reason and an approver.
Clean transfers
The new owner inherits the file with its full history.
A true cash forecast
Installments due in the coming months are known, so cash for construction can be planned.
Price in PKR
Which plan you need for this
Published prices, no foreign-currency billing. Plans start at PKR 10,000 a month, or PKR 9,000 a month on annual billing, plus a one-time setup fee.
- Real estate installment salesCustompriced after a call
- Client billing and receiptsStarterfrom PKR 10,000/month
- WhatsApp alerts and AI chat assistantStarterfrom PKR 10,000/month
Every plan includes daily site and office work, the mobile app, and WhatsApp alerts. Compare all plans.
Terminology
The vocabulary on this page, explained
Plain definitions of the terms Pakistani contractors and consultants use day to day.
- Installment plan
- The rules a unit is sold on: down payment, number and frequency of installments, balloon payments and the amount on possession.
- Balloon payment
- A larger installment due at a set point in the plan, often every six or twelve months, alongside the regular monthly installments.
- Down payment
- The share of the price paid at booking, usually a percentage of the total.
- Demand notice
- A formal written notice to a buyer setting out the amount overdue and the date by which it must be paid.
- Transfer
- The change of a booked unit to a new owner, usually with a transfer fee, before possession.
- Possession
- Handing the completed unit to the buyer, normally once the amount due on possession has been paid.
Questions
Frequently asked questions
Still have a question?
Ask our team during Pakistan business hours, in English or Urdu.
+92 333 2466662Chat on WhatsAppCan we bring in buyers who booked before we started using it?
Yes. Existing bookings are added with their original price, plan and dates, and the payments already received are entered against the schedule, so the overdue list is right from the first day.
Can one project have different installment plans?
Yes. You keep several plan templates, for example 2-year and 3-year plans, or a separate plan for shops, and choose one at booking. The schedule is worked out from the price and the plan.
How do reminders reach buyers?
Due and overdue reminders go to the buyer on WhatsApp, and demand notices can be printed or sent. The overdue list shows who has been reminded and when.
Which plan includes installment sales?
Real estate installment sales are on the Custom plan, priced for the size of your projects. Book a demo and we will set it up with your own inventory and plans.
Can a buyer pay ahead or pay part of an installment?
Yes. A payment is posted against the installments it covers, so a part payment leaves the rest of that installment due and an advance settles the next ones.
Does it work for flats and shops as well as plots?
Yes. Plots, flats, shops and offices are all units on the same inventory, each with its own price, plan and schedule.
Can we see installments due next month?
Yes. Upcoming installments are listed by month, which gives finance the expected collections for planning construction spend.
Free demo
See installment management on your own projects
A 30 to 45 minute walkthrough, in English or Urdu, run on the work you do. Demo requests are answered within one business day.
Request a walkthrough
We respond to qualified enquiries quickly during Pakistan business hours.
- Fast response
- No obligation
- Smart Construction team
Free calculators for this work
Guides on installment management
Related construction software
See it on your projects
Book a walkthrough built around your own workflows, or compare PKR plans before you subscribe.
Call +92 333 2466662 during Pakistan business hours, or book online.