# NPV Module ## Overview **NPV** (Net Present Value) is a tool that lets a salesman build and customize a payment plan for a client before reserving a unit. The salesman adjusts the installment schedule with the client in real time — once they agree and save the plan, it flows directly into the Unit Sales Pipeline and is used as the unit's payment plan from the Hold step onwards. --- ## Why NPV Exists When a client buys a unit, the nominal total of all payments may equal the unit price — but payments that come in late are worth less in today's money. The NPV tool calculates the **true present value** of a payment plan and enforces company financial rules to ensure every plan is profitable, not just on paper. > 💡 **Example:** A client buys a 1,000,000 EGP unit on a 10-year plan. Total payments = 1,000,000 EGP. But because payments arrive over many years, their actual value today may be only 850,000 EGP — a hidden loss of 150,000 EGP. The NPV tool surfaces this before the plan is approved. --- ## How It Fits into the Sales Flow ``` Unit View → Open Unit Details → Select Payment Plan → NPV Editor → Adjust installments with client → Validate → Save Plan → Plan flows into Unit Sales Pipeline (Hold step) ``` The NPV editor is accessed from inside the **Unit Details** screen. The salesman works through the payment plan with the client, and only after saving does the unit enter the pipeline. --- ## The 4 Validation Rules Every plan is automatically checked against 4 rules before it can be saved:

\#	Rule	Requirement
1	Total Check	All payments must add up exactly to the unit price.
2	Pre-Delivery Check	Payments collected before the delivery date must be at least the configured Delivery Percentage Limit %.
3	Minimum Down Payment Check	The down payment must be at or above the Minimum Down Payment Percentage % set on the payment plan.
4	Minimum Installment Check	Each installment must be at or above the configured minimum installment % of the unit price.
5	XNPV Check	The true present value of all payments must be at or above the unit price minus the maximum allowed discount.

If a check fails: - **Users without override permission** → Plan is rejected and cannot be saved. - **Users with override permission** → A warning is shown with the exact loss amount. They can save anyway — but this only overrides the **XNPV check**. The other 3 checks (Total, Pre-Delivery, Minimum Installment) must still pass regardless. --- ## Module Pages

Page	Description
NPV Configuration	Settings at the project and unit level that control NPV rules.
NPV Editor	How to build, edit, and validate a payment plan.
NPV Comparison	How the system compares the original vs. edited plan and shows the verdict.
Saved NPV Plans	How to view, edit, or delete a saved NPV plan.