Three questions the brochure skips: which is cheaper once you compare them at the same point in time, paying in full or paying later; how much interest hides inside an interest-free plan; and what price you need in a few years to actually make money.
Both brought back to today's value, using what your own money earns as the yardstick.
After a 2% agent fee and 2% personal income tax on the sale price. Selling before the ownership certificate is issued counts as a contract transfer, with no tax exemption.
The full version uses the project's real payment schedule, the penalty clauses if you cannot keep paying, and a comparison with other units in the same zone.
Each project's real payment schedule, the exact penalties in the contract, and whether the building still has foreign quota left. Those must be checked unit by unit.
Assumptions