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.