Richmond Estellar — Investor Return & Payment Calculator

Section 1 — Return Projection

List price RM 1,000,000 · EB discount RM 50,000 · Net investment RM 950,000

List Price

RM 1,000,000

Before early bird discount

Early Bird Discount

—

5% off list price

Net Investment (SPA Price)
RM 950,000
GRR & returns based on this figure

GRR Phase 1 — Guaranteed

Year 1 – Year 3

Guaranteed Rental Return of 6.5% p.a. on net SPA price. Paid quarterly. Maintenance fee covered (free) for first 3 years.

Annual GRR (6.5%) RM 57,000 6.5%

NT$—

Quarterly Payout RM 14,250

NT$—

3-Year Total RM 171,000 18.0%

NT$—

Profit Share Y4–20 TARGET 8%

Year 4 – Year 20

Min 6.5% guaranteed floor · target 8% p.a. · 70:30 profit share.

Annual Return RM 88,000 8.0%

NT$—

Quarterly Payout RM 22,000

NT$—

17-Year Total (Y4–20) RM 1,496,000 136%

NT$—

Pure Profit Share TARGET 8%

Year 21 – Year 30

Pure profit share · no guaranteed floor · same rate as Phase 2.

Annual Return RM 88,000 8.0%

NT$—

Quarterly Payout RM 22,000

NT$—

10-Year Total (Y21–30) RM 880,000 80%

NT$—

Cumulative GRR — End of Year 5

GRR 6.5% Y1–3 + Profit Share Y4–5

RM 269,000 28.3%

Cumulative — End of Year 10

GRR (Y1–5) + Profit Share net (Y6–10)

RM 651,310 68.6%

Cumulative — End of Year 20

GRR (Y1–5) + Profit Share net (Y6–20)

RM 1,586,500 167.0%

Return Scenario (Year 4–30)

Min (6.5%) Target

Rate 8% 12% 8.0%

Investor Return Summary

Year 6 exit · 3% p.a. × 5 years = 15% premium (capped)

GBB

115% 100%

GBB Price

—

Net Investment

—

SPA price after all discounts

Capital Gain

—

GBB price − net investment

Total Value (incl. capital returned)

—

— ROI per annum

Bonus — Private Equity Fund (PEF)

Type A / B · RM 50,000 allocation

Returns Mode

Payout Reinvest

PEF Allocation

—

Complimentary · credited at handover

Annual Return (6% avg)

—

Paid out quarterly · projected

Quarterly Payout

—

4× per year

Buyback at Year 6 (+25%)

—

full amount is extra return · allocation was complimentary

Additional Freebies

You are receiving RM — in total additional value (~—% of net SPA price).

Total Extra Value You Receive

RM —*

Equivalent to —% of net SPA price

You are receiving an estimated RM — in upfront and ongoing value — on top of all rental returns.

Included Benefits Estimated

Complimentary Stay 8 days × 3 years RM —

Free 3 Years Maintenance Fee & Sinking Fund RM —

Premium Interior Fitting by Barcelo Hotel Standard RM —

Site Visitation Package RM —

SPA Legal Fees & Disbursements RM —

Foreign Consent Fees & Levy RM —

Price Advantages

Early Bird Discount (< 400 sqft) RM —

Section 2 — Payment Plan

RM —/mo over — months · Total committed RM —

Net SPA Price

RM 950,000

After all discounts

NT$—

Stage 1 — Upon SPA Signing (10%)

—

2 weeks after SPA signing

NT$—

Total Capital Committed
RM 950,000
Net SPA price after all discounts
NT$—

Stage	Installment Payable	%	MYR	Estimated Time Frame

Investor Expenses — Reference

Estimated annual costs from Year 4 onward · not included in return figures above

Annual Maintenance & Sinking Fund

RM 4,800

Estimated for Type A (< 400sqft) · Year 4 onward

Refurbishment Reserve (Every 5 Years)

RM 35,000

Estimated for Type A · per developer schedule

Net Return Y1–3 After Free Maint.

RM 57,000

6% GRR · maintenance free in Y1–3 → full amount to investor

Maintenance fee and sinking fund are free for the first 3 years (covered by developer). From Year 4, estimated costs: Type A ≈ RM 4,800/yr · Type B ≈ RM 6,800/yr · Type C ≈ RM 9,000/yr. Refurbishment estimated at RM 35,000 / RM 45,000 / RM 50,000 per 5-year cycle depending on unit type. All above amounts are estimates based on developer projections.

Important Notice: All figures are based on the official sales package as presented. GRR at 6.5% p.a. (Year 1–3) is guaranteed by the developer; maintenance fees are covered for Years 1–3. From Year 4, a minimum 6.5% profit share floor is guaranteed by the developer — target returns of 8–12% are projections based on management forecasts and are not guaranteed. The Guaranteed Buyback option (Year 6 or Year 7, capped at 15% premium on SPA price) is available as a limited promotion — not applicable to all agency buyers; subject to terms and conditions. Additional rebate shown is a limited promotion and may not be available to all buyers. This calculator is for indicative purposes only and does not constitute financial or investment advice. Investors should conduct independent due diligence before committing.

Investor Return & Payment Calculator

Section 1 — Return Projection

Investor Return Summary

Bonus — Private Equity Fund (PEF)

Additional Freebies

Section 2 — Payment Plan

Investor Expenses — Reference

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