One of the good things about purchasing off the plan properties is that you don't need to came up with the bank loan before the property is built. Paying a deposit (10% total value avg.), you have the chance to secure a property now and collect rewards later. A good mid to long term strategy.
A few months or years later, you have saved up money again and is able to put another 10% towards the deal to cover fees and buy more equity. Banks will happily lend you money towards purchasing a property after they evaluate their risks to secure the asset.