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The caveat sounds good, but obviously undesirable for the developer and hence unlikely. I'll look into that one though. What do you mean by the mortgage contract drawn up and registered on the title? and does this offer a "pseudo-insurance"?

Hi, I have a unique situation where I have an option with a builder to sell land for money + unit (as an alternative to money only). At the time of exchange at the end of the contract period I get a deed to a unit, however I have technically given the builder the value of the unit as a free loan...