A '0% plan' means the developer charges no interest — you pay the property price in instalments on a schedule. This lowers the entry barrier without a mortgage.
The key is reading the schedule: the share of payments before and after handover, late penalties, whether instalments are tied to construction milestones, and whether the handover date is realistic.
Before reserving we check the developer, the project's escrow account and the schedule itself, so 0% is a real advantage and not just marketing.
Source: Developer payment-plan terms