Down payment vs. installments: what fits your budget

On a 10-million-EGP unit, a 5% down payment with 8 years of installments means half a million today and the balance over 96 months — about 99,000 per month.

The same unit with a 30% down payment and 2-year plan: 3 million today, 7 million across 24 months, roughly 291,000 per month.

Which is better? It depends on your income and your read on prices.

A small down payment and long installments suits buyers with steady middle-range income who cannot put a large cash sum down today. The hidden cost: you are paying implicit interest to the developer even when it is not labelled "interest".

A high down payment and short installments suits liquid buyers who do not want to be on the hook for 8 years. The total price comes out lower because developers offer cash discounts.

One more lens: the "total price" view is not enough. What is the opportunity cost of the cash you put down? If those funds could earn returns elsewhere, the gap widens.

Open any project page on Murjul and you will see the full payment plan laid out before you book.