How to answer installment plan questions about a new flat over the phone
Sado AI team · · 4 min read
In short
A buyer calling about an installment plan usually asks five things: the down payment, how many months, whether there’s a markup, the monthly amount, and whether they can repay early. Answer only from the developer’s written terms: make a one-page terms sheet and add a ready sample calculation for each flat type. Leave contract, late-payment and document questions to a manager, and never promise “you’ll definitely be approved”. Which option pays off is the buyer’s own decision.
What buyers ask about installments
The questions hardly ever change. List them and write an answer to each:
- “What’s the down payment?” In percent and in so‘m.
- “Over how many months?”
- “Is there a markup? Is it dearer than cash?”
- “How much will I pay a month?”
- “Can I repay early?”
- “Through a bank or directly to you?”
- “What happens if I’m a month late?”
Many buyers ring three or four developers in one evening and compare the terms. They visit the office that gave exact numbers. “We’ll explain at the office” doesn’t bring them back.
The terms sheet: what to write down for whoever answers
| Question | Sample answer (from the company’s facts) |
|---|---|
| Down payment | At least 30 percent. For example, 180 million on a 600 million so‘m flat. |
| Term | 12, 18 or 24 months. |
| Markup | No markup on the cash price, or the percentage, as the company states it. |
| Monthly payment | For example, the remaining 420 million over 24 months: 17.5 million so‘m a month. |
| Early repayment | Whether it’s allowed, and how. |
| Who the contract is with | The developer directly, or through a bank. |
The figures are only an example. Write down your own terms and update the sheet the day they change.
What not to say on the phone
- “You’ll definitely be approved.” The company confirms terms, not whoever picked up the phone.
- A discount or term that isn’t in the written conditions.
- Guesses about a bank loan and its rate: that’s the bank’s question.
- Late-payment penalties or cancelling the contract: a manager or lawyer explains these from the contract.
- Advice on “Is cash or installments better?”. Give the numbers for both and leave the choice to the buyer.
Sample: a call about installments
Sado: Assalomu alaykum, Yashnobod Uylari, Malika speaking.
Caller: Hello. Can I buy a one-room flat in installments? How much do I need up front?
Sado: Yes. A one-room flat is 380 million, and the down payment is at least 30 percent, so 114 million. The rest over 12 or 24 months, no markup.
Caller: Over 24 months, what’s the monthly amount? And is there a late fee?
Sado: Over 24 months it’s about 11 million so‘m a month. Late payments are covered in the contract, and our manager will explain them. Would you like to come to the office on Saturday and see a sample contract?
Caller: Yes, at ten.
Sado: Done, Jasur, Saturday at ten. The manager will write out the exact payment schedule for you.
The price and terms are invented. The operator didn’t work out the payment itself: it quoted the ready example from the terms sheet.
Handing installment questions to an AI operator
Installment calls come in the evening and at weekends too. An AI operator for real estate asks how the buyer wants to pay and explains the terms from the facts your company gave. It saves the answer as a separate field: cash, installments or mortgage. For a question that isn’t on the sheet it doesn’t invent an answer: it says a manager will call back and creates a task.
A buyer ready to purchase is transferred to a manager by your rule. Each call’s recording and transcript are in the portal, so you can always check what was said about the terms. More: incoming calls. Try it live or call 78 778 01 23.
Questions
Will the AI operator calculate the monthly payment?
Put a ready example for each flat type on the terms sheet: the operator quotes those figures. The manager makes the exact payment schedule together with the contract.
What if the buyer asks “Is there a discount for cash?”
Give the discount the company wrote down. If there isn’t one in the terms, don’t promise anything: say a manager will call back.
Should you tell buyers which payment option is better for them?
No. Give the numbers for each option and leave the decision to the buyer. The call’s job is to explain the terms, not to give financial advice.
Is the payment in dollars or in so‘m?
Say the currency the company signs contracts in, and put it on the terms sheet. Leave exchange-rate questions to a manager.