Is it permissible to negotiate with a company to lower the price of an under-construction apartment when paying 30% of its value in cash as a down payment, knowing that delivery is after 3 years and the sale has already been concluded? If not permissible, how can this be corrected? Is it permissible for the company to offer a 10% discount to those who pay the remaining installments in cash after one year? Is it permissible to negotiate the percentage of this discount?

It is permissible to purchase apartments under construction by paying in installments if they are described in a way that removes ambiguity. There is no objection to the seller calculating his profits based on the remaining amount after the down payment, provided that the total price is determined without separating the interest.

It is not permissible to oblige the buyer to pay an increase on the debt for late installments, nor to stipulate compensation for delay. However, it is permissible to stipulate that all overdue installments become due if some are delayed.

It is permissible for the seller to stipulate that the sold item be mortgaged with him to guarantee his right. There is no objection to offering a discount to those who expedite the payment of installments, and negotiating the amount of the discount is permissible. This is permissible as long as it is not a pre-agreed condition.