What to do in case of defaulting on property SPA obligations due to COVID-19?

Hi,

I have a contract with a developer for two properties. But since Coronavirus periods started, I was not able to pay the quarterly instalments.

There are some penalties as per the agreement too on defaulted payments. Now if I want to cancel the contract and get refunded, how much should I expect?

And also, if I cancel only one contract and the payment on it as it is could be transferred to the other contract to continue with that.