Buyer tools

Calculators, checklists and reference guides — everything for the buying decision

This gathers NovAsia's interactive tools: work out the real price and payments, check your readiness, build a shortlist and questions, run the viewing and handover checklists, and compare projects. Personal tools keep your marks only in your browser and send nothing to a server.

Use one set of transaction facts across every tool

Use the same project, unit code, buyer, offer date, currency, total price, SPA version and payment plan across connected tools. When one of these changes, update every dependent calculation and note; an earlier result must not carry automatically to a different unit or draft.

Keep the definitions consistent as well. Area needs the same measurement basis, price the same cost scope, rent the same evidence date and type, and yield the same gross-versus-net treatment. Otherwise, several correctly functioning tools can still produce answers that cannot be compared.

An unknown value is not zero

Where a fee, tax, service charge, vacancy period, bank charge or refund condition is unconfirmed, leave it unknown. Zero is a positive statement that the cost or risk does not exist; missing evidence does not support that conclusion.

Display the result together with every unknown item and test whether it could change the decision. If an unknown prevents the buyer from establishing the budget, funding the schedule or confirming net cash flow, the calculation remains preliminary and should not support an irreversible payment.

Start here

Pick your situation — we'll point you to the right tool for your stage.

Choose a tool by the decision you need to make

State one current question before opening a tool: find options within budget, compare identified units, test the payment schedule, assess rent, prepare a reservation or close the documents required before the next payment. One tool should produce one clear outcome and next action rather than another open tab.

The GOV.UK Design System recommends showing users the tasks within a transaction, the order in which to complete them and when they are complete. Apply the same principle here: select the stage, obtain the outcome, review it and only then move to the next tool.

I have a budget — I need optionsProperty by budget → I want the real price of a unitEffective price → I'm checking the payment schedulePayment plan planner → I'm assessing rental incomeRental break-even → Am I ready to transactReadiness check → I'm gathering questions for the developerConsultation questions → I'm turning a shortlist into a decisionDecision memo → I don't know where to startHow buying works →

Calculators

Effective net priceThe real deal cost after discounts and required packages. Payment plannerReservation, down payment, installments and the handover payment — the whole schedule. Rental break-evenIncome, occupancy and costs — when rental turns positive. USD ↔ KHR converterUS dollars and riel at the NBC official reference rate, with the rate date.

Personal tools (saved in your browser)

Close a stage with an outcome, not a mark count

Opening a page, filling a field and receiving a document are actions, but not necessarily completed stages. Distinguish started, received, under review, confirmed and blocked. Having an SPA, for example, does not mean that the seller, unit, price and exit terms have been verified.

Before reservation, signing, another payment and handover, run a separate review of the answers and unresolved issues. The GOV.UK Check answers pattern gives users an opportunity to review information before confirming a transaction; a property purchase needs that check before each irreversible action, not only once at the end.

Save a dated snapshot before changing device or browser

Personal-tool data is held in the browser, so do not assume it will appear automatically in another browser, profile or device. Before clearing site data, moving computer or making a material update, save a copy that identifies the date, project, unit and open questions.

Your marks are kept only in this browser: clearing site data or switching device will not carry them over. They can be viewed, edited and deleted by the user. Local storage is useful for a working draft, but it should not be the only archive of a decision or evidence of a contractual term.

Do not place sensitive documents in ordinary notes

Most calculations need only an amount, date, status and non-sensitive document label. Do not enter a full passport number, bank account, signature, statement, password, access code or complete legal report into a notes field, copied output or messenger message unless genuinely necessary.

Data-minimisation practice means using only the information required for a particular purpose. Cambodia's Law on Electronic Commerce also provides for reasonable protection of personal information held electronically. Where a professional needs the document, agree the secure channel, recipient, purpose and retention period first.

Know when the tool must hand the issue to a professional

A calculator tests a scenario but does not confirm a tax base or available finance. A checklist organises questions but does not establish the seller's right, absence of encumbrances, eligibility of an ownership structure or legal effect of the SPA. A visual viewing does not prove concealed condition, fire safety or design compliance.

Before an irreversible action, send legal questions to independent Cambodian counsel, technical questions to the relevant engineer, tax questions to an adviser addressing the specific owner and banking questions to the bank that will execute the transfer. The tool should identify the question and document requiring review rather than appear to approve the transaction.

Check the date, source and change status of the data

A price, exchange rate, unit availability, construction stage, service charge, rental comparable and tax rule all need a date. Older information may still provide context, but it should not appear current; record what can change and when a re-check is required.

UK Government Analysis Function guidance recommends communicating quality, uncertainty and change because limitations affect the conclusions users draw. Where sources conflict, do not silently select the convenient figure: retain both, explain the difference and identify the document or party that must resolve it before the next step.

My buyer journeyAn 8-stage progress tracker — not a deal assessment. Buyer checklistA step-by-step checklist with progress — from reservation to title. Readiness checkSeven statements: what to resolve before you book. Consultation questionsBuild a personal list of questions for your objective. Decision memoPriorities, shortlist and arguments — a ready document.

Checklists and reference

Reservation agreementWhat to check in the reservation before you pay. Document packDocuments by stage of the deal. Viewing checklistWhat to inspect and document at handover. SPA clause libraryKey contract terms and what to look for. Risk registerPurchase risks with an assessment and ways to reduce them. GlossaryMarket terms in plain words, with caveats.

Data and comparison

Compare projectsUp to three projects by attribute, with a shareable link. Project statusStages and timing with source state. Property by budgetProjects by price band — references. Market snapshotDated market indicators and the limits of the data.

Not sure where to start? Tell us your goal and budget — we'll shortlist a property and suggest which tool fits your stage.