Tool 05 · Bago pumirma

Preselling condo calculator

Copy the numbers from the developer's computation sheet. We'll show every payment month by month, including the lump sums and the big balance at turnover that people tend to forget.

Your payments, month by month

1. Price Total contract price (₱)

Use the TCP on your sheet. Units over ₱3.6M usually include 12% VAT; parking is often separate.

Reservation fee (₱)

2. Downpayment during construction

Downpayment (% of TCP)

Spread over (months)

Lump sums (balloon payments) inside the downpayment

Look for lines like "5% on the 24th month". Add one per lump sum.

3. Balance at turnover How you'll pay the balance

Interest rate (% a year)

Loan term (years)

Rates shown are examples only: banks quoted about 6.5% to 8.25% fixed for 3 years in Sept 2026, and in-house financing often runs 12% to 18%. Bank rates usually reprice after the fixed period. Use the rate you're quoted.

4. Other cash at turnover

Misc. fees (% of TCP)

Move-in costs (₱)

Taxes, title transfer and registration are often 5% to 8%. Check if your TCP already includes them.

5. Save ahead instead of scrambling (optional) Save monthly for each lump sum from month 1 Also save monthly for the cash due at turnover Household income per month (₱, optional)

During construction, per month

₱0

Monthly downpayment₱0

Cash due at turnover₱0

Loan balance₱0

Loan payment per month₱0

If the rate rises 2 points₱0

Total interest₱0

Everything you'll pay₱0

Keep a copy

This site doesn't save anything, so download your numbers before you leave.

If you can't continue paying

Paalala For education only, not financial advice. Nothing here is a recommendation of any bank, product or investment. The numbers here are estimates from what you type in. For big decisions, talk to a licensed professional. Full disclaimer.