Cash discounts reach 30% on some projects. That is a large number — but it is not always the better decision, and here is why.
A discount is not automatic profit
When a developer offers “25% off for cash”, what that means is the instalment price is higher by that margin to cover the cost of time. The real question: if you took that money and put it somewhere else instead of paying cash, would you earn more or less than 25% over the same period?
The practical calculation
Take the cash price, the total instalment price, and the term. Divide the difference by the term to get your actual annual cost. Compare that against any guaranteed alternative return available to you.
In the Egyptian market, and while inflation is high, long instalment terms are sometimes genuinely cheaper than they look — because you are paying later instalments in money that is worth less.
