NovBuyer scenarios: a path for your goal
A different objective means a different route and a different set of checks. Below are five honest scenarios: where to start, which tools to model with, and which stop conditions should end a transaction. This is general methodology, not personal legal, tax or investment advice. Prices, availability and terms are re-verified per unit and date.
1. Rental income
You want cash flow and a clear payback — not an "advertised yield" from a presentation.
- Set a target on net income, not gross: subtract vacancy, management, repairs, furniture, taxes and your own time.
- Model a base, a stress and a zero-income case in the break-even tool — it is a model, not a forecast.
- Check real demand for your unit type in the exact micro-zone (genuine comparables, who the tenant is).
- If GRR or buyback is offered, it is an obligation of the party named in the contract (SPA) — not a NovAsia guarantee and not "market yield". Verify the legal entity, amount, term, exclusions and enforcement route.
- Plan the exit: to whom and at what price you resell the unit in N years.
Stop conditions: income depends on one promised tenant; "guaranteed yield" without a contract and named obligor; no comparable-rent data.
2. To live in
You buy to live in it — comfort, environment and sustainable costs matter more than "yield".
- Start with the district and micro-zone: daily route, noise, traffic, infrastructure, future construction nearby.
- Check the building: floor, view, lifts, generator/water, fire safety, management quality.
- Add up sustainable costs: management, sinking fund, tax — what is paid annually and monthly.
- Inspect the unit at different times of day; a prestigious district name is not a site inspection.
Stop conditions: buying "from a render" without inspection; irreducible noise/flooding; management you cannot see.
3. Capital preservation
The goal is to preserve money in a US-dollar asset, with acceptable risk and a clear exit.
- Priority is the quality of the right: strata title on the specific unit, building registration, clean seller and encumbrances.
- Focus on building and location quality (resale liquidity matters more than a headline discount).
- Assess a realistic exit: the depth of the resale market for that unit type.
- Mind the currency: dollar income and costs help, but check your own currency flows.
Stop conditions: title "to come later" without confirmation; building/location without liquidity; buying with emergency savings and no reserve.
4. Off-plan (under construction)
A cheaper entry with a payment plan, but construction risk is added — surviving the schedule matters more than a headline discount.
- Verify permits, land rights, the project's legal entity and the stage of works.
- Break down the payment mechanism and money protection: reservation, milestone instalments, the large handover balance.
- A handover balloon is especially risky — the source of the final payment must exist independently of a resale or an unapproved loan.
- Review the developer's track record: what they have delivered and on what timeline (from sources, not promises).
- Renders are not photos of a finished building; a model or showroom does not prove handover quality.
Stop conditions: no permits/land rights; final payment without a source; developer with no traceable history.
5. Remote purchase
You are not in Cambodia and transact remotely — identity, document and payment security come first.
- Video-verify with a known representative; confirm the seller's legal entity through an independent channel.
- Never send money to bank details from an unexpectedly changed email — an account change requires confirmation through a previously verified contact.
- If a power of attorney is used, local counsel checks the form, scope, legalization and revocation.
- Independent legal (and where needed technical) review works for you, not for the seller.
Stop conditions: last-minute change of bank details; pressure for an urgent payment; refusal to provide documents for independent review.
Not sure which scenario is yours?
Tell us your goal, budget and horizon — we assemble a route and suitable projects, honestly marking what is confirmed and what is to confirm. We connect you with a specialist, not with advertising.