Episode 13 · 48s
The 4-Year Number — $284,000 vs $84,000 on the Same Home
Two buyers, the same $2 million home, the same four years — and very different amounts leaving their accounts. What progressive payments actually change is timing, not price.
Key takeaways
- 1
A completed resale starts the full home loan in month one — roughly $284,000 in instalments over four years.
- 2
A home still under construction has the loan released in stages as each stage is finished — roughly $84,000 over the same four years.
- 3
That's about $200,000 less leaving your account, and roughly $100,000 less interest paid over the period.
- 4
It isn't free money — it's timing. The same debt arrives later, after you collect keys and start servicing the full loan.
- 5
Worked example: $2M home, 75% loan-to-value, 2.5% p.a., 30-year tenure, standard 4-year construction drawdown. Your own figures will differ with rate, tenure and drawdown schedule.
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