---
title: Can MA association assess only owners who can't pay upfront for repairs?
description: In our case, we need to finance the project without a bank loan, but would the answer change for the options above if we financed with a bank?
image: http://www.condoassociation.com/hubfs/pay-now-pay-later.jpg
---

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# Can MA association assess only owners who can't pay upfront for repairs?

| [Massachusetts](https://www.condoassociation.com/blog/topic/massachusetts) |  

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## What do you think? Question:

![pay-now-pay-later](http://www.condoassociation.com/hubfs/pay-now-pay-later.jpg)Our association has zero reserves. We need to have an assessment for a facade repair.

Is it allowed, in Massachusetts, to offer owners two options like:

1-Pay in full for example 10k or

2-Pay in installments but at an interest rate of X%?

In our case, we need to finance the project without a bank loan, but would the answer change for the options above if we financed with a bank?

Or can we just say we: owners who can pay upfront will pay X. Owners who do not - we will take out a loan and place an assessment on their units? Thank you.

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## What do you think? Answers (4)

#### What are your thoughts on this topic?

***Comments and postings are not legal advice**, but are the opinions of our readers. This forum and its contents are being monitored. Please be respectful of each other. *  
  

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