Financing Simulator

What it’s for

This is an estimator, not an application — it compares what a unit’s installment could look like under developer financing versus a bank mortgage, before anyone talks to a bank. It only appears for a unit listing that’s for sale; rental listings don’t have one.

Where to find it

Open a for-sale unit from Marketplace, then open its financing estimate.

Which session

Both. Residents can use it too — for a second unit, not just prospects buying their first.

On this screen

Two plans to choose from: In-house (Property financing, direct with the developer) and Bank KPR, which splits further into Fixed and Hybrid. Whichever you pick, the price used is fixed: the unit’s effective displayed sale price — its discounted price if one is set, otherwise its regular sale price.

How to…

Estimate an in-house plan

1. Choose In-house.
2. Enter a down payment, an annual interest rate (defaults to 8.00%), and a tenor in years — capped at whatever maximum this developer has configured for in-house financing.
3. The screen shows the monthly installment, total interest, and total paid.

If the developer hasn’t configured an in-house tenor limit, this plan is unavailable and the screen tells you so — you can still estimate a Bank KPR.

Estimate a fixed-rate bank KPR

1. Choose Bank KPR, then Fixed.
2. Enter a down payment, an annual interest rate, and a tenor in years (up to 25).
3. The screen shows one constant installment for the full tenor.

Estimate a two-stage (hybrid) bank KPR

1. Choose Bank KPR, then Hybrid.
2. Enter a down payment, a fixed-stage annual rate and its length in years, a floating-stage annual rate, and the total tenor in years.
3. The fixed period’s length must be less than the total tenor.
4. The screen shows the fixed-stage installment, the principal still owed when the fixed stage ends, and the recalculated floating-stage installment on what’s left.

Field reference

Field	Applies to	Notes
Down payment	All plans	Must be less than the base price
Annual interest rate	In-house, Fixed	0–100%
Tenor (years)	In-house (capped by developer), Fixed & Hybrid (up to 25)	Whole years only
Fixed-stage rate & length	Hybrid	Length must be less than total tenor
Floating-stage rate	Hybrid	Held constant for the estimate — not a bank quote

Rules & statuses

Every plan runs the same reducing-balance annuity math: principal shrinks a little more each month as part of the payment goes to principal instead of interest, so the fixed installment stays constant even though the interest portion of it doesn’t. For Hybrid, the floating stage re-runs that same math on whatever principal is left once the fixed stage ends — it isn’t a simple continuation of the fixed installment.

This is explicitly not a financing offer: the estimate excludes administration, appraisal, notary, tax, insurance, and other fees, and the floating rate is only held constant for the sake of estimating — actual bank rates and terms can differ.

Related pages

• Unit Marketplace — Browsing & Clusters — where a for-sale unit is opened from.
• Unit Marketplace — Sales Assistance — the next step if you want to talk to a salesperson instead of just estimating.