Terms And Conditions

The Developer shall not be liable for delays caused by circumstances beyond its control,

including:

Strikes, lockouts, or labor shortages.

Material shortages or substitutions.

Hostilities, accidents, pandemics, or epidemics. Extensions certified by the Developer’s Architect to ensure structural integrity.

TERMS AND CONDITIONS FOR NDC HOMES (DEVELOPER)

Return, Refund, and Cancellation Policies

Blocking Units

The Buyer acknowledges that payments made to block units via the NDC Homes (Developer) website during the initial 1–2 months are non-refundable.

Once the blocking payment is made, the Buyer has between twelve (12) to thirty-six (36) months to pay 30–40% of the total unit value Refund Calculation & Deductions Refunds of principal payments are subject to the following exclusions: EMI Interest: Non-refundable. Statutory Taxes: Non-refundable (including VAT, transfer duty, or other levies). Administrative/Occupancy Fee: A 5–10% administrative fee or “Fair Use” rental charge may be deducted for the period of occupancy. Refunds (principal minus interest and taxes) will be processed within 21–91 days, only after the unit has been successfully reassigned or sold. Vacant Possession Refunds are contingent upon the Buyer providing vacant possession. Costs incurred for eviction or repairs due to damages will be deducted from the refund. Refunds are payable only after resale and completion of the new sale. No compensation is due beyond the refunded amount. Purchase Price Payments made in currencies other than USD shall be converted at prevailing market rates as published on the developer’s website. The purchase price excludes EMI interest where mortgage or financing options are chosen. The Developer may introduce housing loan offers through partner banks. Loan principals shall be paid directly to NDC Homes accounts and debited to the Buyer’s account for repayment. Unit Assignment & Occupancy Units may be assigned once 40–50% of the purchase price is paid and construction is completed within 3–5 years. The Buyer may occupy the unit while continuing installment payments as agreed in the signed contract (online or corporeal). Default Notice & Moratorium If the Buyer defaults on payments after occupancy, the Developer will issue a three-month payment notice. If obligations remain unmet, a further three-month moratorium will be granted. Failure to comply after the moratorium renders the contract null and void, and the unit will be re-listed. Refunds will apply, excluding EMI interest and taxes. Repossession The Buyer may re-purchase the unit under new terms and conditions, including a revised purchase price. Upon written request, the Developer will allow seven (7) working days to finalize a new Sale Agreement. Legal Costs The Buyer is responsible for all legal fees and documentation expenses as outlined in the sales agreement Completion shall occur at the Developer’s Attorney’s office or the Developer’s office. Upon receipt of full payment, the Developer’s Lawyers will deliver the Sublease within fourteen (14) days. Completion Completion occurs upon full payment of the purchase price and associated costs. The Developer shall not be liable for delays caused by circumstances beyond its control, including:  Strikes, lockouts, or labor shortages.  Material shortages or substitutions.  Hostilities, accidents, pandemics, or epidemics.  Extensions certified by the Developer’s Architect to ensure structural integrity.  Delays due to third-party non-performance despite reasonable mitigation efforts. Notice Notices to the Buyer shall be valid if hand-delivered, posted, or sent via email to the last known address. Notices to the Developer shall be valid if delivered to its registered business address or email. Notices sent by post are deemed received seven (7) days after posting. Dispute Resolution Disputes shall first be resolved through amicable negotiations. If unresolved within twenty-one (21) days, disputes shall be referred to a single arbitrator appointed by the Ghana Arbitration Center, in accordance with the Alternative Dispute Resolution Act, 2010 (Act 798). The arbitrator’s decision shall be final and binding. Applicable Law This Agreement shall be governed by the laws of the Republic of Ghana.">in installments and formalize the purchase by signing the corresponding agreements.

The blocking effect lasts for ninety (90) days. If subsequent payments are not made within three consecutive months, Refund Calculation & Deductions Refunds of principal payments are subject to the following exclusions: EMI Interest: Non-refundable. Statutory Taxes: Non-refundable (including VAT, transfer duty, or other levies). Administrative/Occupancy Fee: A 5–10% administrative fee or “Fair Use” rental charge may be deducted for the period of occupancy. Refunds (principal minus interest and taxes) will be processed within 21–91 days, only after the unit has been successfully reassigned or sold. Vacant Possession Refunds are contingent upon the Buyer providing vacant possession. Costs incurred for eviction or repairs due to damages will be deducted from the refund. Refunds are payable only after resale and completion of the new sale. No compensation is due beyond the refunded amount. Purchase Price Payments made in currencies other than USD shall be converted at prevailing market rates as published on the developer’s website. The purchase price excludes EMI interest where mortgage or financing options are chosen. The Developer may introduce housing loan offers through partner banks. Loan principals shall be paid directly to NDC Homes accounts and debited to the Buyer’s account for repayment. Unit Assignment & Occupancy Units may be assigned once 40–50% of the purchase price is paid and construction is completed within 3–5 years. The Buyer may occupy the unit while continuing installment payments as agreed in the signed contract (online or corporeal). Default Notice & Moratorium If the Buyer defaults on payments after occupancy, the Developer will issue a three-month payment notice. If obligations remain unmet, a further three-month moratorium will be granted. Failure to comply after the moratorium renders the contract null and void, and the unit will be re-listed. Refunds will apply, excluding EMI interest and taxes. Repossession The Buyer may re-purchase the unit under new terms and conditions, including a revised purchase price. Upon written request, the Developer will allow seven (7) working days to finalize a new Sale Agreement. Legal Costs The Buyer is responsible for all legal fees and documentation expenses as outlined in the sales agreement Completion shall occur at the Developer’s Attorney’s office or the Developer’s office. Upon receipt of full payment, the Developer’s Lawyers will deliver the Sublease within fourteen (14) days. Completion Completion occurs upon full payment of the purchase price and associated costs. The Developer shall not be liable for delays caused by circumstances beyond its control, including:  Strikes, lockouts, or labor shortages.  Material shortages or substitutions.  Hostilities, accidents, pandemics, or epidemics.  Extensions certified by the Developer’s Architect to ensure structural integrity.  Delays due to third-party non-performance despite reasonable mitigation efforts. Notice Notices to the Buyer shall be valid if hand-delivered, posted, or sent via email to the last known address. Notices to the Developer shall be valid if delivered to its registered business address or email. Notices sent by post are deemed received seven (7) days after posting. Dispute Resolution Disputes shall first be resolved through amicable negotiations. If unresolved within twenty-one (21) days, disputes shall be referred to a single arbitrator appointed by the Ghana Arbitration Center, in accordance with the Alternative Dispute Resolution Act, 2010 (Act 798). The arbitrator’s decision shall be final and binding. Applicable Law This Agreement shall be governed by the laws of the Republic of Ghana.">the block will lapse, and the unit will return to NDC Homes (Developer)’s inventory.

Amounts paid for blocking may be credited toward another unit, subject to availability and development timelines.

Refund Calculation & Deductions

Refunds of principal payments are subject to the following exclusions:

EMI Interest: Non-refundable.

Statutory Taxes: Non-refundable (including VAT, transfer duty, or other levies).

Administrative/Occupancy Fee: A 5–10% administrative fee or “Fair Use” rental charge may be deducted for the period of occupancy.

Refunds (principal minus interest and taxes) will be processed within 21–91 days, only after the unit has been successfully reassigned or sold.

Vacant Possession

Refunds are contingent upon the Buyer providing vacant possession. Refund Calculation & Deductions Refunds of principal payments are subject to the following exclusions: EMI Interest: Non-refundable. Statutory Taxes: Non-refundable (including VAT, transfer duty, or other levies). Administrative/Occupancy Fee: A 5–10% administrative fee or “Fair Use” rental charge may be deducted for the period of occupancy. Refunds (principal minus interest and taxes) will be processed within 21–91 days, only after the unit has been successfully reassigned or sold. Vacant Possession Refunds are contingent upon the Buyer providing vacant possession. Costs incurred for eviction or repairs due to damages will be deducted from the refund. Refunds are payable only after resale and completion of the new sale. No compensation is due beyond the refunded amount. Purchase Price Payments made in currencies other than USD shall be converted at prevailing market rates as published on the developer’s website. The purchase price excludes EMI interest where mortgage or financing options are chosen. The Developer may introduce housing loan offers through partner banks. Loan principals shall be paid directly to NDC Homes accounts and debited to the Buyer’s account for repayment. Unit Assignment & Occupancy Units may be assigned once 40–50% of the purchase price is paid and construction is completed within 3–5 years. The Buyer may occupy the unit while continuing installment payments as agreed in the signed contract (online or corporeal). Default Notice & Moratorium If the Buyer defaults on payments after occupancy, the Developer will issue a three-month payment notice. If obligations remain unmet, a further three-month moratorium will be granted. Failure to comply after the moratorium renders the contract null and void, and the unit will be re-listed. Refunds will apply, excluding EMI interest and taxes. Repossession The Buyer may re-purchase the unit under new terms and conditions, including a revised purchase price. Upon written request, the Developer will allow seven (7) working days to finalize a new Sale Agreement. Legal Costs The Buyer is responsible for all legal fees and documentation expenses as outlined in the sales agreement Completion shall occur at the Developer’s Attorney’s office or the Developer’s office. Upon receipt of full payment, the Developer’s Lawyers will deliver the Sublease within fourteen (14) days. Completion Completion occurs upon full payment of the purchase price and associated costs. The Developer shall not be liable for delays caused by circumstances beyond its control, including:  Strikes, lockouts, or labor shortages.  Material shortages or substitutions.  Hostilities, accidents, pandemics, or epidemics.  Extensions certified by the Developer’s Architect to ensure structural integrity.  Delays due to third-party non-performance despite reasonable mitigation efforts. Notice Notices to the Buyer shall be valid if hand-delivered, posted, or sent via email to the last known address. Notices to the Developer shall be valid if delivered to its registered business address or email. Notices sent by post are deemed received seven (7) days after posting. Dispute Resolution Disputes shall first be resolved through amicable negotiations. If unresolved within twenty-one (21) days, disputes shall be referred to a single arbitrator appointed by the Ghana Arbitration Center, in accordance with the Alternative Dispute Resolution Act, 2010 (Act 798). The arbitrator’s decision shall be final and binding. Applicable Law This Agreement shall be governed by the laws of the Republic of Ghana.">Costs incurred for eviction or repairs due to damages will be deducted from the refund. Refund Calculation & Deductions Refunds of principal payments are subject to the following exclusions: EMI Interest: Non-refundable. Statutory Taxes: Non-refundable (including VAT, transfer duty, or other levies). Administrative/Occupancy Fee: A 5–10% administrative fee or “Fair Use” rental charge may be deducted for the period of occupancy. Refunds (principal minus interest and taxes) will be processed within 21–91 days, only after the unit has been successfully reassigned or sold. Vacant Possession Refunds are contingent upon the Buyer providing vacant possession. Costs incurred for eviction or repairs due to damages will be deducted from the refund. Refunds are payable only after resale and completion of the new sale. No compensation is due beyond the refunded amount. Purchase Price Payments made in currencies other than USD shall be converted at prevailing market rates as published on the developer’s website. The purchase price excludes EMI interest where mortgage or financing options are chosen. The Developer may introduce housing loan offers through partner banks. Loan principals shall be paid directly to NDC Homes accounts and debited to the Buyer’s account for repayment. Unit Assignment & Occupancy Units may be assigned once 40–50% of the purchase price is paid and construction is completed within 3–5 years. The Buyer may occupy the unit while continuing installment payments as agreed in the signed contract (online or corporeal). Default Notice & Moratorium If the Buyer defaults on payments after occupancy, the Developer will issue a three-month payment notice. If obligations remain unmet, a further three-month moratorium will be granted. Failure to comply after the moratorium renders the contract null and void, and the unit will be re-listed. Refunds will apply, excluding EMI interest and taxes. Repossession The Buyer may re-purchase the unit under new terms and conditions, including a revised purchase price. Upon written request, the Developer will allow seven (7) working days to finalize a new Sale Agreement. Legal Costs The Buyer is responsible for all legal fees and documentation expenses as outlined in the sales agreement Completion shall occur at the Developer’s Attorney’s office or the Developer’s office. Upon receipt of full payment, the Developer’s Lawyers will deliver the Sublease within fourteen (14) days. Completion Completion occurs upon full payment of the purchase price and associated costs. The Developer shall not be liable for delays caused by circumstances beyond its control, including:  Strikes, lockouts, or labor shortages.  Material shortages or substitutions.  Hostilities, accidents, pandemics, or epidemics.  Extensions certified by the Developer’s Architect to ensure structural integrity.  Delays due to third-party non-performance despite reasonable mitigation efforts. Notice Notices to the Buyer shall be valid if hand-delivered, posted, or sent via email to the last known address. Notices to the Developer shall be valid if delivered to its registered business address or email. Notices sent by post are deemed received seven (7) days after posting. Dispute Resolution Disputes shall first be resolved through amicable negotiations. If unresolved within twenty-one (21) days, disputes shall be referred to a single arbitrator appointed by the Ghana Arbitration Center, in accordance with the Alternative Dispute Resolution Act, 2010 (Act 798). The arbitrator’s decision shall be final and binding. Applicable Law This Agreement shall be governed by the laws of the Republic of Ghana.">Refunds are payable only after resale and completion of the new sale. No compensation is due beyond the refunded amount.

Purchase Price

Payments made in currencies other than USD shall be converted at prevailing market rates as published on the developer’s website.

The purchase price excludes EMI interest where mortgage or financing options are chosen.

The Developer may introduce short term housing loan offers through partner banks. Loan principals shall be paid directly to Refund Calculation & Deductions Refunds of principal payments are subject to the following exclusions: EMI Interest: Non-refundable. Statutory Taxes: Non-refundable (including VAT, transfer duty, or other levies). Administrative/Occupancy Fee: A 5–10% administrative fee or “Fair Use” rental charge may be deducted for the period of occupancy. Refunds (principal minus interest and taxes) will be processed within 21–91 days, only after the unit has been successfully reassigned or sold. Vacant Possession Refunds are contingent upon the Buyer providing vacant possession. Costs incurred for eviction or repairs due to damages will be deducted from the refund. Refunds are payable only after resale and completion of the new sale. No compensation is due beyond the refunded amount. Purchase Price Payments made in currencies other than USD shall be converted at prevailing market rates as published on the developer’s website. The purchase price excludes EMI interest where mortgage or financing options are chosen. The Developer may introduce housing loan offers through partner banks. Loan principals shall be paid directly to NDC Homes accounts and debited to the Buyer’s account for repayment. Unit Assignment & Occupancy Units may be assigned once 40–50% of the purchase price is paid and construction is completed within 3–5 years. The Buyer may occupy the unit while continuing installment payments as agreed in the signed contract (online or corporeal). Default Notice & Moratorium If the Buyer defaults on payments after occupancy, the Developer will issue a three-month payment notice. If obligations remain unmet, a further three-month moratorium will be granted. Failure to comply after the moratorium renders the contract null and void, and the unit will be re-listed. Refunds will apply, excluding EMI interest and taxes. Repossession The Buyer may re-purchase the unit under new terms and conditions, including a revised purchase price. Upon written request, the Developer will allow seven (7) working days to finalize a new Sale Agreement. Legal Costs The Buyer is responsible for all legal fees and documentation expenses as outlined in the sales agreement Completion shall occur at the Developer’s Attorney’s office or the Developer’s office. Upon receipt of full payment, the Developer’s Lawyers will deliver the Sublease within fourteen (14) days. Completion Completion occurs upon full payment of the purchase price and associated costs. The Developer shall not be liable for delays caused by circumstances beyond its control, including:  Strikes, lockouts, or labor shortages.  Material shortages or substitutions.  Hostilities, accidents, pandemics, or epidemics.  Extensions certified by the Developer’s Architect to ensure structural integrity.  Delays due to third-party non-performance despite reasonable mitigation efforts. Notice Notices to the Buyer shall be valid if hand-delivered, posted, or sent via email to the last known address. Notices to the Developer shall be valid if delivered to its registered business address or email. Notices sent by post are deemed received seven (7) days after posting. Dispute Resolution Disputes shall first be resolved through amicable negotiations. If unresolved within twenty-one (21) days, disputes shall be referred to a single arbitrator appointed by the Ghana Arbitration Center, in accordance with the Alternative Dispute Resolution Act, 2010 (Act 798). The arbitrator’s decision shall be final and binding. Applicable Law This Agreement shall be governed by the laws of the Republic of Ghana.">NDC Homes accounts and debited to the Buyer’s account for repayment.

Unit Assignment & Occupancy

Units may be assigned once 40–50% of the purchase price is paid and construction is completed within 3–5 years. Refund Calculation & Deductions Refunds of principal payments are subject to the following exclusions: EMI Interest: Non-refundable. Statutory Taxes: Non-refundable (including VAT, transfer duty, or other levies). Administrative/Occupancy Fee: A 5–10% administrative fee or “Fair Use” rental charge may be deducted for the period of occupancy. Refunds (principal minus interest and taxes) will be processed within 21–91 days, only after the unit has been successfully reassigned or sold. Vacant Possession Refunds are contingent upon the Buyer providing vacant possession. Costs incurred for eviction or repairs due to damages will be deducted from the refund. Refunds are payable only after resale and completion of the new sale. No compensation is due beyond the refunded amount. Purchase Price Payments made in currencies other than USD shall be converted at prevailing market rates as published on the developer’s website. The purchase price excludes EMI interest where mortgage or financing options are chosen. The Developer may introduce housing loan offers through partner banks. Loan principals shall be paid directly to NDC Homes accounts and debited to the Buyer’s account for repayment. Unit Assignment & Occupancy Units may be assigned once 40–50% of the purchase price is paid and construction is completed within 3–5 years. The Buyer may occupy the unit while continuing installment payments as agreed in the signed contract (online or corporeal). Default Notice & Moratorium If the Buyer defaults on payments after occupancy, the Developer will issue a three-month payment notice. If obligations remain unmet, a further three-month moratorium will be granted. Failure to comply after the moratorium renders the contract null and void, and the unit will be re-listed. Refunds will apply, excluding EMI interest and taxes. Repossession The Buyer may re-purchase the unit under new terms and conditions, including a revised purchase price. Upon written request, the Developer will allow seven (7) working days to finalize a new Sale Agreement. Legal Costs The Buyer is responsible for all legal fees and documentation expenses as outlined in the sales agreement Completion shall occur at the Developer’s Attorney’s office or the Developer’s office. Upon receipt of full payment, the Developer’s Lawyers will deliver the Sublease within fourteen (14) days. Completion Completion occurs upon full payment of the purchase price and associated costs. The Developer shall not be liable for delays caused by circumstances beyond its control, including:  Strikes, lockouts, or labor shortages.  Material shortages or substitutions.  Hostilities, accidents, pandemics, or epidemics.  Extensions certified by the Developer’s Architect to ensure structural integrity.  Delays due to third-party non-performance despite reasonable mitigation efforts. Notice Notices to the Buyer shall be valid if hand-delivered, posted, or sent via email to the last known address. Notices to the Developer shall be valid if delivered to its registered business address or email. Notices sent by post are deemed received seven (7) days after posting. Dispute Resolution Disputes shall first be resolved through amicable negotiations. If unresolved within twenty-one (21) days, disputes shall be referred to a single arbitrator appointed by the Ghana Arbitration Center, in accordance with the Alternative Dispute Resolution Act, 2010 (Act 798). The arbitrator’s decision shall be final and binding. Applicable Law This Agreement shall be governed by the laws of the Republic of Ghana.">The Buyer may occupy the unit while continuing installment payments as agreed in the signed contract (online or corporeal).

Default Notice & Moratorium

If the Buyer defaults on payments after occupancy, the Developer will issue a three-month payment notice. Refund Calculation & Deductions Refunds of principal payments are subject to the following exclusions: EMI Interest: Non-refundable. Statutory Taxes: Non-refundable (including VAT, transfer duty, or other levies). Administrative/Occupancy Fee: A 5–10% administrative fee or “Fair Use” rental charge may be deducted for the period of occupancy. Refunds (principal minus interest and taxes) will be processed within 21–91 days, only after the unit has been successfully reassigned or sold. Vacant Possession Refunds are contingent upon the Buyer providing vacant possession. Costs incurred for eviction or repairs due to damages will be deducted from the refund. Refunds are payable only after resale and completion of the new sale. No compensation is due beyond the refunded amount. Purchase Price Payments made in currencies other than USD shall be converted at prevailing market rates as published on the developer’s website. The purchase price excludes EMI interest where mortgage or financing options are chosen. The Developer may introduce housing loan offers through partner banks. Loan principals shall be paid directly to NDC Homes accounts and debited to the Buyer’s account for repayment. Unit Assignment & Occupancy Units may be assigned once 40–50% of the purchase price is paid and construction is completed within 3–5 years. The Buyer may occupy the unit while continuing installment payments as agreed in the signed contract (online or corporeal). Default Notice & Moratorium If the Buyer defaults on payments after occupancy, the Developer will issue a three-month payment notice. If obligations remain unmet, a further three-month moratorium will be granted. Failure to comply after the moratorium renders the contract null and void, and the unit will be re-listed. Refunds will apply, excluding EMI interest and taxes. Repossession The Buyer may re-purchase the unit under new terms and conditions, including a revised purchase price. Upon written request, the Developer will allow seven (7) working days to finalize a new Sale Agreement. Legal Costs The Buyer is responsible for all legal fees and documentation expenses as outlined in the sales agreement Completion shall occur at the Developer’s Attorney’s office or the Developer’s office. Upon receipt of full payment, the Developer’s Lawyers will deliver the Sublease within fourteen (14) days. Completion Completion occurs upon full payment of the purchase price and associated costs. The Developer shall not be liable for delays caused by circumstances beyond its control, including:  Strikes, lockouts, or labor shortages.  Material shortages or substitutions.  Hostilities, accidents, pandemics, or epidemics.  Extensions certified by the Developer’s Architect to ensure structural integrity.  Delays due to third-party non-performance despite reasonable mitigation efforts. Notice Notices to the Buyer shall be valid if hand-delivered, posted, or sent via email to the last known address. Notices to the Developer shall be valid if delivered to its registered business address or email. Notices sent by post are deemed received seven (7) days after posting. Dispute Resolution Disputes shall first be resolved through amicable negotiations. If unresolved within twenty-one (21) days, disputes shall be referred to a single arbitrator appointed by the Ghana Arbitration Center, in accordance with the Alternative Dispute Resolution Act, 2010 (Act 798). The arbitrator’s decision shall be final and binding. Applicable Law This Agreement shall be governed by the laws of the Republic of Ghana."> If obligations remain unmet, a further three-month moratorium will be granted. Refund Calculation & Deductions Refunds of principal payments are subject to the following exclusions: EMI Interest: Non-refundable. Statutory Taxes: Non-refundable (including VAT, transfer duty, or other levies). Administrative/Occupancy Fee: A 5–10% administrative fee or “Fair Use” rental charge may be deducted for the period of occupancy. Refunds (principal minus interest and taxes) will be processed within 21–91 days, only after the unit has been successfully reassigned or sold. Vacant Possession Refunds are contingent upon the Buyer providing vacant possession. Costs incurred for eviction or repairs due to damages will be deducted from the refund. Refunds are payable only after resale and completion of the new sale. No compensation is due beyond the refunded amount. Purchase Price Payments made in currencies other than USD shall be converted at prevailing market rates as published on the developer’s website. The purchase price excludes EMI interest where mortgage or financing options are chosen. The Developer may introduce housing loan offers through partner banks. Loan principals shall be paid directly to NDC Homes accounts and debited to the Buyer’s account for repayment. Unit Assignment & Occupancy Units may be assigned once 40–50% of the purchase price is paid and construction is completed within 3–5 years. The Buyer may occupy the unit while continuing installment payments as agreed in the signed contract (online or corporeal). Default Notice & Moratorium If the Buyer defaults on payments after occupancy, the Developer will issue a three-month payment notice. If obligations remain unmet, a further three-month moratorium will be granted. Failure to comply after the moratorium renders the contract null and void, and the unit will be re-listed. Refunds will apply, excluding EMI interest and taxes. Repossession The Buyer may re-purchase the unit under new terms and conditions, including a revised purchase price. Upon written request, the Developer will allow seven (7) working days to finalize a new Sale Agreement. Legal Costs The Buyer is responsible for all legal fees and documentation expenses as outlined in the sales agreement Completion shall occur at the Developer’s Attorney’s office or the Developer’s office. Upon receipt of full payment, the Developer’s Lawyers will deliver the Sublease within fourteen (14) days. Completion Completion occurs upon full payment of the purchase price and associated costs. The Developer shall not be liable for delays caused by circumstances beyond its control, including:  Strikes, lockouts, or labor shortages.  Material shortages or substitutions.  Hostilities, accidents, pandemics, or epidemics.  Extensions certified by the Developer’s Architect to ensure structural integrity.  Delays due to third-party non-performance despite reasonable mitigation efforts. Notice Notices to the Buyer shall be valid if hand-delivered, posted, or sent via email to the last known address. Notices to the Developer shall be valid if delivered to its registered business address or email. Notices sent by post are deemed received seven (7) days after posting. Dispute Resolution Disputes shall first be resolved through amicable negotiations. If unresolved within twenty-one (21) days, disputes shall be referred to a single arbitrator appointed by the Ghana Arbitration Center, in accordance with the Alternative Dispute Resolution Act, 2010 (Act 798). The arbitrator’s decision shall be final and binding. Applicable Law This Agreement shall be governed by the laws of the Republic of Ghana.">Failure to comply after the moratorium renders the contract null and void, and the unit will be re-listed. Refunds will apply, excluding EMI interest and taxes.

Repossession

The Buyer may re-purchase the unit under new terms and conditions, including a revised purchase price. Refund Calculation & Deductions Refunds of principal payments are subject to the following exclusions: EMI Interest: Non-refundable. Statutory Taxes: Non-refundable (including VAT, transfer duty, or other levies). Administrative/Occupancy Fee: A 5–10% administrative fee or “Fair Use” rental charge may be deducted for the period of occupancy. Refunds (principal minus interest and taxes) will be processed within 21–91 days, only after the unit has been successfully reassigned or sold. Vacant Possession Refunds are contingent upon the Buyer providing vacant possession. Costs incurred for eviction or repairs due to damages will be deducted from the refund. Refunds are payable only after resale and completion of the new sale. No compensation is due beyond the refunded amount. Purchase Price Payments made in currencies other than USD shall be converted at prevailing market rates as published on the developer’s website. The purchase price excludes EMI interest where mortgage or financing options are chosen. The Developer may introduce housing loan offers through partner banks. Loan principals shall be paid directly to NDC Homes accounts and debited to the Buyer’s account for repayment. Unit Assignment & Occupancy Units may be assigned once 40–50% of the purchase price is paid and construction is completed within 3–5 years. The Buyer may occupy the unit while continuing installment payments as agreed in the signed contract (online or corporeal). Default Notice & Moratorium If the Buyer defaults on payments after occupancy, the Developer will issue a three-month payment notice. If obligations remain unmet, a further three-month moratorium will be granted. Failure to comply after the moratorium renders the contract null and void, and the unit will be re-listed. Refunds will apply, excluding EMI interest and taxes. Repossession The Buyer may re-purchase the unit under new terms and conditions, including a revised purchase price. Upon written request, the Developer will allow seven (7) working days to finalize a new Sale Agreement. Legal Costs The Buyer is responsible for all legal fees and documentation expenses as outlined in the sales agreement Completion shall occur at the Developer’s Attorney’s office or the Developer’s office. Upon receipt of full payment, the Developer’s Lawyers will deliver the Sublease within fourteen (14) days. Completion Completion occurs upon full payment of the purchase price and associated costs. The Developer shall not be liable for delays caused by circumstances beyond its control, including:  Strikes, lockouts, or labor shortages.  Material shortages or substitutions.  Hostilities, accidents, pandemics, or epidemics.  Extensions certified by the Developer’s Architect to ensure structural integrity.  Delays due to third-party non-performance despite reasonable mitigation efforts. Notice Notices to the Buyer shall be valid if hand-delivered, posted, or sent via email to the last known address. Notices to the Developer shall be valid if delivered to its registered business address or email. Notices sent by post are deemed received seven (7) days after posting. Dispute Resolution Disputes shall first be resolved through amicable negotiations. If unresolved within twenty-one (21) days, disputes shall be referred to a single arbitrator appointed by the Ghana Arbitration Center, in accordance with the Alternative Dispute Resolution Act, 2010 (Act 798). The arbitrator’s decision shall be final and binding. Applicable Law This Agreement shall be governed by the laws of the Republic of Ghana.">Upon written request, the Developer will allow seven (7) working days to finalize a new Sale Agreement.

Legal Costs Refund Calculation & Deductions Refunds of principal payments are subject to the following exclusions: EMI Interest: Non-refundable. Statutory Taxes: Non-refundable (including VAT, transfer duty, or other levies). Administrative/Occupancy Fee: A 5–10% administrative fee or “Fair Use” rental charge may be deducted for the period of occupancy. Refunds (principal minus interest and taxes) will be processed within 21–91 days, only after the unit has been successfully reassigned or sold. Vacant Possession Refunds are contingent upon the Buyer providing vacant possession. Costs incurred for eviction or repairs due to damages will be deducted from the refund. Refunds are payable only after resale and completion of the new sale. No compensation is due beyond the refunded amount. Purchase Price Payments made in currencies other than USD shall be converted at prevailing market rates as published on the developer’s website. The purchase price excludes EMI interest where mortgage or financing options are chosen. The Developer may introduce housing loan offers through partner banks. Loan principals shall be paid directly to NDC Homes accounts and debited to the Buyer’s account for repayment. Unit Assignment & Occupancy Units may be assigned once 40–50% of the purchase price is paid and construction is completed within 3–5 years. The Buyer may occupy the unit while continuing installment payments as agreed in the signed contract (online or corporeal). Default Notice & Moratorium If the Buyer defaults on payments after occupancy, the Developer will issue a three-month payment notice. If obligations remain unmet, a further three-month moratorium will be granted. Failure to comply after the moratorium renders the contract null and void, and the unit will be re-listed. Refunds will apply, excluding EMI interest and taxes. Repossession The Buyer may re-purchase the unit under new terms and conditions, including a revised purchase price. Upon written request, the Developer will allow seven (7) working days to finalize a new Sale Agreement. Legal Costs The Buyer is responsible for all legal fees and documentation expenses as outlined in the sales agreement Completion shall occur at the Developer’s Attorney’s office or the Developer’s office. Upon receipt of full payment, the Developer’s Lawyers will deliver the Sublease within fourteen (14) days. Completion Completion occurs upon full payment of the purchase price and associated costs. The Developer shall not be liable for delays caused by circumstances beyond its control, including:  Strikes, lockouts, or labor shortages.  Material shortages or substitutions.  Hostilities, accidents, pandemics, or epidemics.  Extensions certified by the Developer’s Architect to ensure structural integrity.  Delays due to third-party non-performance despite reasonable mitigation efforts. Notice Notices to the Buyer shall be valid if hand-delivered, posted, or sent via email to the last known address. Notices to the Developer shall be valid if delivered to its registered business address or email. Notices sent by post are deemed received seven (7) days after posting. Dispute Resolution Disputes shall first be resolved through amicable negotiations. If unresolved within twenty-one (21) days, disputes shall be referred to a single arbitrator appointed by the Ghana Arbitration Center, in accordance with the Alternative Dispute Resolution Act, 2010 (Act 798). The arbitrator’s decision shall be final and binding. Applicable Law This Agreement shall be governed by the laws of the Republic of Ghana.">The Buyer is responsible for all legal fees and documentation expenses as outlined in the sales agreement Completion shall Refund Calculation & Deductions Refunds of principal payments are subject to the following exclusions: EMI Interest: Non-refundable. Statutory Taxes: Non-refundable (including VAT, transfer duty, or other levies). Administrative/Occupancy Fee: A 5–10% administrative fee or “Fair Use” rental charge may be deducted for the period of occupancy. Refunds (principal minus interest and taxes) will be processed within 21–91 days, only after the unit has been successfully reassigned or sold. Vacant Possession Refunds are contingent upon the Buyer providing vacant possession. Costs incurred for eviction or repairs due to damages will be deducted from the refund. Refunds are payable only after resale and completion of the new sale. No compensation is due beyond the refunded amount. Purchase Price Payments made in currencies other than USD shall be converted at prevailing market rates as published on the developer’s website. The purchase price excludes EMI interest where mortgage or financing options are chosen. The Developer may introduce housing loan offers through partner banks. Loan principals shall be paid directly to NDC Homes accounts and debited to the Buyer’s account for repayment. Unit Assignment & Occupancy Units may be assigned once 40–50% of the purchase price is paid and construction is completed within 3–5 years. The Buyer may occupy the unit while continuing installment payments as agreed in the signed contract (online or corporeal). Default Notice & Moratorium If the Buyer defaults on payments after occupancy, the Developer will issue a three-month payment notice. If obligations remain unmet, a further three-month moratorium will be granted. Failure to comply after the moratorium renders the contract null and void, and the unit will be re-listed. Refunds will apply, excluding EMI interest and taxes. Repossession The Buyer may re-purchase the unit under new terms and conditions, including a revised purchase price. Upon written request, the Developer will allow seven (7) working days to finalize a new Sale Agreement. Legal Costs The Buyer is responsible for all legal fees and documentation expenses as outlined in the sales agreement Completion shall occur at the Developer’s Attorney’s office or the Developer’s office. Upon receipt of full payment, the Developer’s Lawyers will deliver the Sublease within fourteen (14) days. Completion Completion occurs upon full payment of the purchase price and associated costs. The Developer shall not be liable for delays caused by circumstances beyond its control, including:  Strikes, lockouts, or labor shortages.  Material shortages or substitutions.  Hostilities, accidents, pandemics, or epidemics.  Extensions certified by the Developer’s Architect to ensure structural integrity.  Delays due to third-party non-performance despite reasonable mitigation efforts. Notice Notices to the Buyer shall be valid if hand-delivered, posted, or sent via email to the last known address. Notices to the Developer shall be valid if delivered to its registered business address or email. Notices sent by post are deemed received seven (7) days after posting. Dispute Resolution Disputes shall first be resolved through amicable negotiations. If unresolved within twenty-one (21) days, disputes shall be referred to a single arbitrator appointed by the Ghana Arbitration Center, in accordance with the Alternative Dispute Resolution Act, 2010 (Act 798). The arbitrator’s decision shall be final and binding. Applicable Law This Agreement shall be governed by the laws of the Republic of Ghana.">occur at the Developer’s Attorney’s office or the Developer’s office. Refund Calculation & Deductions Refunds of principal payments are subject to the following exclusions: EMI Interest: Non-refundable. Statutory Taxes: Non-refundable (including VAT, transfer duty, or other levies). Administrative/Occupancy Fee: A 5–10% administrative fee or “Fair Use” rental charge may be deducted for the period of occupancy. Refunds (principal minus interest and taxes) will be processed within 21–91 days, only after the unit has been successfully reassigned or sold. Vacant Possession Refunds are contingent upon the Buyer providing vacant possession. Costs incurred for eviction or repairs due to damages will be deducted from the refund. Refunds are payable only after resale and completion of the new sale. No compensation is due beyond the refunded amount. Purchase Price Payments made in currencies other than USD shall be converted at prevailing market rates as published on the developer’s website. The purchase price excludes EMI interest where mortgage or financing options are chosen. The Developer may introduce housing loan offers through partner banks. Loan principals shall be paid directly to NDC Homes accounts and debited to the Buyer’s account for repayment. Unit Assignment & Occupancy Units may be assigned once 40–50% of the purchase price is paid and construction is completed within 3–5 years. The Buyer may occupy the unit while continuing installment payments as agreed in the signed contract (online or corporeal). Default Notice & Moratorium If the Buyer defaults on payments after occupancy, the Developer will issue a three-month payment notice. If obligations remain unmet, a further three-month moratorium will be granted. Failure to comply after the moratorium renders the contract null and void, and the unit will be re-listed. Refunds will apply, excluding EMI interest and taxes. Repossession The Buyer may re-purchase the unit under new terms and conditions, including a revised purchase price. Upon written request, the Developer will allow seven (7) working days to finalize a new Sale Agreement. Legal Costs The Buyer is responsible for all legal fees and documentation expenses as outlined in the sales agreement Completion shall occur at the Developer’s Attorney’s office or the Developer’s office. Upon receipt of full payment, the Developer’s Lawyers will deliver the Sublease within fourteen (14) days. Completion Completion occurs upon full payment of the purchase price and associated costs. The Developer shall not be liable for delays caused by circumstances beyond its control, including:  Strikes, lockouts, or labor shortages.  Material shortages or substitutions.  Hostilities, accidents, pandemics, or epidemics.  Extensions certified by the Developer’s Architect to ensure structural integrity.  Delays due to third-party non-performance despite reasonable mitigation efforts. Notice Notices to the Buyer shall be valid if hand-delivered, posted, or sent via email to the last known address. Notices to the Developer shall be valid if delivered to its registered business address or email. Notices sent by post are deemed received seven (7) days after posting. Dispute Resolution Disputes shall first be resolved through amicable negotiations. If unresolved within twenty-one (21) days, disputes shall be referred to a single arbitrator appointed by the Ghana Arbitration Center, in accordance with the Alternative Dispute Resolution Act, 2010 (Act 798). The arbitrator’s decision shall be final and binding. Applicable Law This Agreement shall be governed by the laws of the Republic of Ghana.">Upon receipt of full payment, the Developer’s Lawyers will deliver the Sublease within fourteen (14) days.

Completion

Completion occurs upon full payment of the purchase price and associated costs. and development timelines. Refund Calculation & Deductions Refunds of principal payments are subject to the following exclusions: EMI Interest: Non-refundable. Statutory Taxes: Non-refundable (including VAT, transfer duty, or other levies). Administrative/Occupancy Fee: A 5–10% administrative fee or “Fair Use” rental charge may be deducted for the period of occupancy. Refunds (principal minus interest and taxes) will be processed within 21–91 days, only after the unit has been successfully reassigned or sold. Vacant Possession Refunds are contingent upon the Buyer providing vacant possession. Costs incurred for eviction or repairs due to damages will be deducted from the refund. Refunds are payable only after resale and completion of the new sale. No compensation is due beyond the refunded amount. Purchase Price Payments made in currencies other than USD shall be converted at prevailing market rates as published on the developer’s website. The purchase price excludes EMI interest where mortgage or financing options are chosen. The Developer may introduce housing loan offers through partner banks. Loan principals shall be paid directly to NDC Homes accounts and debited to the Buyer’s account for repayment. Unit Assignment & Occupancy Units may be assigned once 40–50% of the purchase price is paid and construction is completed within 3–5 years. The Buyer may occupy the unit while continuing installment payments as agreed in the signed contract (online or corporeal). Default Notice & Moratorium If the Buyer defaults on payments after occupancy, the Developer will issue a three-month payment notice. If obligations remain unmet, a further three-month moratorium will be granted. Failure to comply after the moratorium renders the contract null and void, and the unit will be re-listed. Refunds will apply, excluding EMI interest and taxes. Repossession The Buyer may re-purchase the unit under new terms and conditions, including a revised purchase price. Upon written request, the Developer will allow seven (7) working days to finalize a new Sale Agreement. Legal Costs The Buyer is responsible for all legal fees and documentation expenses as outlined in the sales agreement Completion shall occur at the Developer’s Attorney’s office or the Developer’s office. Upon receipt of full payment, the Developer’s Lawyers will deliver the Sublease within fourteen (14) days. Completion Completion occurs upon full payment of the purchase price and associated costs. The Developer shall not be liable for delays caused by circumstances beyond its control, including:  Strikes, lockouts, or labor shortages.  Material shortages or substitutions.  Hostilities, accidents, pandemics, or epidemics.  Extensions certified by the Developer’s Architect to ensure structural integrity.  Delays due to third-party non-performance despite reasonable mitigation efforts. Notice Notices to the Buyer shall be valid if hand-delivered, posted, or sent via email to the last known address. Notices to the Developer shall be valid if delivered to its registered business address or email. Notices sent by post are deemed received seven (7) days after posting. Dispute Resolution Disputes shall first be resolved through amicable negotiations. If unresolved within twenty-one (21) days, disputes shall be referred to a single arbitrator appointed by the Ghana Arbitration Center, in accordance with the Alternative Dispute Resolution Act, 2010 (Act 798). The arbitrator’s decision shall be final and binding. Applicable Law This Agreement shall be governed by the laws of the Republic of Ghana.">Delays due to third-party non-performance despite reasonable mitigation efforts.

Notice

Notices to the Buyer shall be valid if hand-delivered, posted, or sent via email to the last known address. Notices to the Developer shall be valid if delivered to its registered business address or email.

Dispute Resolution

Disputes shall first be resolved through amicable negotiations.

Applicable Law

This Agreement shall be governed by the laws of the Republic of Ghana.

Terms And Conditions

The Developer shall not be liable for delays caused by circumstances beyond its control, including:

Strikes, lockouts, or labor shortages.

Material shortages or substitutions.

Hostilities, accidents, pandemics, or epidemics. Extensions certified by the Developer’s Architect to ensure structural integrity.

The Developer shall not be liable for delays caused by circumstances beyond its control,

including: