30:30:40, read line by line.

The six instalments

Reproduced from the developer's own payment-plan publication for this project. The six lines total 100%. Applicable taxes and the other charge heads — PLC, parking, club, IFMS, power backup, lease rent, maintenance — sit outside these percentages and are billed per your cost sheet.

Why the first instalment is exactly 10%

Section 13(1) of the Real Estate (Regulation and Development) Act 2016 says a promoter shall not accept a sum more than ten per cent of the cost of the apartment as an advance payment or application fee without first entering into a written agreement for sale and getting that agreement registered. A booking instalment set at 10% is a plan drawn to that line: it means nothing above the statutory ceiling falls due before you hold a registered agreement, and the agreement is the document that carries your binding schedule.

Practical consequence: pay nothing beyond that first 10% until the agreement for sale is executed and registered in your name. If a demand arrives ahead of it, the statute, not the schedule, is the reference.

The calendar does most of the work here

Read by trigger type rather than by headline block, the plan splits cleanly. Sixty per cent — the 10%, the 20% within 45 days and the 30% within nine months — is counted from your booking date. That makes the first year of outflow predictable to the day: you can put three dates in a calendar the moment you book and know what each one costs.

The remaining forty per cent waits on the building. Thirty per cent falls at lift installation, which is a late-structure milestone, and the last ten per cent splits across the occupancy-certificate application and the offer of possession. So the tail of the plan tracks the site while the head of it tracks the calendar. Plan your funding for the first nine months around dates, and for the balance around progress.

What ₹3.58 Cr* for a 4 BHK implies

The developer's same publication puts the 4 BHK line at ₹3.58 Cr* starting. Against the brochure's 4 BHK super area band of 2,755–3,300 sq ft, that figure decodes two ways, and the difference is worth about ₹27 lakh to you.

If ₹3.58 Cr* is a basic-price-only number on the smallest 4 BHK, it works out to roughly ₹12,995 per sq ft on 2,755 sq ft. If instead it is built on the ₹12,000 per sq ft base our desk has been quoting, the basic price on that same 2,755 sq ft comes to about ₹3.31 Cr, and the remaining figure of roughly ₹27 lakh would be the other charge heads rather than the rate. Both readings are arithmetically consistent with the published number, and nothing in the publication settles which one it is.

That is precisely why the dated cost sheet matters more than any headline figure: it is the only document that separates the rate from the charges for your specific unit. Our rate-by-type decode for this project sits on the price page. The same arithmetic applied to both 4 BHK types, with their carpet areas and tower placement, is on the 4 BHK page.

Where the money goes — the RERA collection account

Under Section 4(2)(l)(D) of the RERA Act, a promoter deposits seventy per cent of the amounts realised from allottees into a separate account to cover the land and construction cost of that project. The developer publishes the designated collection account for Eldeco La Vida Bella as follows.

Account name: Eldeco Real Estate Ltd.
Bank: HDFC Bank Ltd
Account number: 57500001388922
IFSC: HDFC0002830

Verify these details against your own registered agreement for sale and the developer's demand letter before you transfer anything, and pay only the promoter entity named there. Never pay an individual, an agent or an intermediary account — including ours. Our desk is paid by the developer; buyers pay us nothing.

Four things to demand in writing before any cheque

The dated cost sheet for your specific unit. Not the project's, yours — tower, floor, unit number, with every charge head separated: BSP, PLC, parking, club, IFMS, power backup, lease rent, maintenance and the taxes on each. A cost sheet without a date is not a quote.

The schedule applied to your numbers. Ask for the six instalments above expressed in rupees against your own total, so the 45-day and nine-month dates are unambiguous and each milestone trigger names who certifies it.

Confirmation of the 10% position. Ask plainly, in writing, what is payable before the registered agreement for sale. On this plan the answer should be the booking instalment and nothing more.

The registered agreement for sale, read before signing. It supersedes every brochure, every portal listing and every page including this one. Verify the register fields yourself at up-rera.in under UPRERAPRJ136219/04/2024 first — it takes about four minutes and needs no login.

For the current cost sheet on a specific unit with this schedule applied to it, message the desk on WhatsApp — ask for the dated cost sheet with the schedule applied. Nothing is auto-sent and no payment is ever requested online.

Questions buyers ask about the La Vida Bella payment plan

What is the payment plan for Eldeco La Vida Bella?

The developer's published plan is branded 30:30:40 and runs in six instalments: 10% at the time of booking, 20% within 45 days, 30% within 9 months from the date of booking, 30% on lift installation, 5% on application of the occupancy certificate, and 5% on offer of possession. The three headline blocks are 30% + 30% + 40%; the six lines are how they are actually collected.

Is the La Vida Bella payment plan 30:70 or 30:30:30:10?

Neither matches the developer's published plan, which is branded 30:30:40 and collected in six instalments as set out on this page. Portals variously describe a 30:70 or a 30:30:30:10 schedule for La Vida Bella — those figures circulate undated, so treat any ratio that does not appear on a written, dated schedule as unverified, and read the ratio off your own agreement before paying.

How much is payable at booking for Eldeco La Vida Bella?

Ten per cent at the time of booking. That is exactly the ceiling Section 13(1) of the RERA Act 2016 sets on what a promoter may accept before a written agreement for sale is executed and registered, so nothing above 10% falls due before you have that agreement in hand.

Is the La Vida Bella payment plan construction-linked?

The Eldeco La Vida Bella payment plan is only partly construction-linked: the first 60% is time-linked — 10% at booking, 20% within 45 days and 30% within 9 months from the date of booking are all calendar dates counted from your booking, not site milestones. The remaining 40% is milestone-linked, at lift installation, application of the occupancy certificate and offer of possession.

Where do I pay, and how do I confirm the account is genuine?

Into the project's RERA-designated collection account in the name of Eldeco Real Estate Limited at HDFC Bank Limited, and never to any individual. Verify the account name, number and IFSC against your own registered agreement for sale and the developer's demand letter before transferring, and check the registration UPRERAPRJ136219/04/2024 on the UP-RERA portal.