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Kolaboro / Tools / Currency risk

What will your payment plan cost in your own currency?

Off-plan payments are spread over years, and exchange rates move. Enter your price, your schedule and today's rate. See the total you pay in your home currency if the rate moves 10% or 20% either way.

Price and currencies

Payment schedule

An example plan is filled in. Replace it with the dates and percentages in your contract. Payments dated before today count as already paid and are not moved in the scenarios.

Your own stress test Optional

Worst case versus today

Enter today's rate

No rates are invented here. Every number comes from the rate you enter or the one fetched from the European Central Bank reference feed, which is a mid-market rate. Your bank or transfer service will add a spread and fees.

Scenarios

Total paid in your home currency

Each bar moves the rate for all remaining payments by the same amount. Real rates drift payment by payment, so treat this as a range, not a forecast.

Green: the property currency gets weaker, you pay less. Orange: it gets stronger, you pay more. Dashed line: total at today's rate.

ScenarioRate usedTotal in home currencyVersus today
PaymentDateProperty currencyAt today's rateIf 20% stronger

What you can do

Ways to cut the currency risk

    Buyer tools

    More tools for off-plan buyers

    Currency riskWhat your payment plan costs in your own currency if rates move 10% or 20%.Delay compensationWhat a late handover clause pays you, after grace and cap, against missed rent.Resale before handoverHow easily you can sell before the keys, and what to ask the developer.Payment plan risk scoreHow much of your money is at risk, and when, against the build timeline.Payment plan checkSpot risky payment patterns and export the payment dates to your calendar.
    Get your contract and milestones checkedCheck a project
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