Site Loan

Structured DD Payment (commonly referred to as “Split DD”) is a method of making property purchase payments using more than one Demand Draft (DD) or bank transfer instead of a single payment.

This approach is commonly used in high-value site or plot transactions, where managing the entire consideration through one instrument may not be convenient for the buyer or seller.

Using a structured payment method offers several practical advantages:

✔ Easier payment planning for buyers
✔ Clear separation of bank loan amount and self-funded contribution
✔ Smooth coordination on the registration date
✔ Better payment clarity for sellers
✔ Efficient handling of large transaction values

How Structured Payment Works in a Plot Purchase, In a typical site or plot purchase, the total consideration may be funded through:

• Buyer’s own savings
• Bank loan disbursement
• Additional planned funds

By structuring these components through multiple DDs or bank transfers, the transaction becomes:

• More organized
• Easier to document
• Less stressful during registration

This method helps ensure that payment flow, documentation, and bank coordination remain smooth.

Structured Payment from a Bank & Loan Perspective

From a lending and documentation standpoint, structured payment:

✔ Helps banks clearly identify buyer contribution and loan amount
✔ Supports smoother loan disbursement planning
✔ Improves coordination between buyer, seller, and lender
✔ Is compatible with processes followed by HDFC, LIC Housing Finance, PSU Banks, and Private Banks

Who Can Benefit from Structured (Split) DD Payments?

This payment structure is particularly useful for:

✔ High-value plot or site buyers
✔ Customers purchasing with a mix of loan and self-funded amounts
✔ Salaried and self-employed individuals
✔ Resale property transactions
✔ Developer and layout-based sales

Importance of Transparency & Proper Guidance

Regardless of the payment structure used, it is essential that:

✔ Proper documentation is maintained
✔ Payments are routed through banking channels
✔ Agreements are clearly structured

With the right professional guidance, site and plot purchases can be completed smoothly and confidently.

Our Role – JC Sampark Parihar Private Limited
At JC Sampark Parihar Private Limited, we assist site and plot buyers with:

✔ Payment structuring guidance
✔ Bank-friendly documentation support
✔ Loan and self-fund planning
✔ Registration-ready coordination
✔ End-to-end professional assistance

Our focus is on ensuring smooth, structured, and transparent property transactions.