Here are the payment schemes available for SMDC Shine Residences:

Cash Payment Scheme:

- discount will be given for spot cash payment within 30 days

- Balance payable within 30 days

Deferred Cash Payment Scheme:

- 20% down payment; 10% payable in 12 months; 70% balance payable in 24 months

Bank Financing Scheme:

- 20% down payment; 80% balance payable through bank financing (up to 20 years)

- Interest rates vary depending on bank and loan term

In-House Financing Scheme:

- 20% down payment; 80% balance payable through in-house financing (up to 10 years)

- Interest rates vary depending on loan term

Flexible Payment Scheme:

- Customized payment plans available for qualified buyers

Please note that these payment schemes are subject to change and may vary depending on the specific unit, financing terms, and other factors.