Off-plan property buying in Kenya has long been seen as a smart investment—but also one that raises many concerns. With the growing demand for affordable housing and better amenities, off-plan apartments in Nairobi have become popular, especially among first-time buyers and young investors.
But is it safe?
This blog tackles the question head-on by breaking down what off-plan means, the benefits, risks, and how to protect yourself when buying before construction is complete.
What Is Off-Plan Property?
Off-plan refers to purchasing a property before it’s built or while it’s under construction. You buy based on architectural designs, a show house, or 3D renders.
Key features:
- Lower price point
- Flexible payment terms over 12–36 months
- Ability to choose layouts, finishes, or floors
- Capital appreciation before handover
Why Many Kenyans Are Choosing Off-Plan
- Lower Entry Costs
Off-plan homes are often 10–20% cheaper than ready units. - Flexible Payment Plans
Developers allow buyers to pay in installments during the construction period. - Higher ROI Potential
You buy at today’s price, but the property value typically rises by handover. - Customization Opportunities
You may have input on finishes, appliances, and layouts depending on the stage of construction.
The Risks to Watch Out For
- Delays in Completion
Some projects overrun their timelines, leaving buyers waiting. - Developer Reputation
Poorly vetted developers may fail to deliver what was promised—or anything at all. - Contractual Ambiguities
Without a strong sales agreement, you might face challenges claiming refunds or enforcing deliverables.
How to Buy Off-Plan Safely in Nairobi
1. Research the Developer
Choose a reputable developer with a solid track record, like Mi Vida, which has delivered multiple residential phases on time.
2. Understand the Payment Plan
Look for flexible but clearly structured payment options aligned with construction milestones.
3. Read the Sale Agreement Thoroughly
Ensure it includes completion timelines, penalties for delay, refund clauses, and full project specifications.
4. Visit the Site Regularly
Don’t just rely on renders. Visit the location, follow up on progress, and request construction updates.
5. Verify Project Approvals
Ensure the development has county approvals, NCA registration, and clear title documentation.
Real Case: Mi Vida’s Off-Plan Success
At Mi Vida’s Garden City and Keza Riruta developments, buyers who purchased off-plan enjoyed:
- 12–18% capital appreciation by handover
- Smooth transition to mortgage financing
- On-time delivery with top-grade finishing [Phase 1 for Keza Riruta is happening]
Final Word: Is It Worth It?
Yes, if done right. Buying off-plan in Nairobi is a powerful way to get on the property ladder early, build equity, and access prime locations affordably. Just ensure you work with a trustworthy developer, do your due diligence, and have a legally binding contract.
Explore Off-Plan Opportunities with Mi Vida
We offer flexible plans, high-quality finishes, and transparent delivery schedules. Whether you’re an investor or a homebuyer, our team is ready to guide you through the process. Keza Riruta and Keza Laika are a good place to start.