Interactive cooperative housing model
Compare solo buying, down-payment pooling, internal cooperative loans, waiting compensation, and hybrid financing. The calculator separates bank costs, internal transfers, and opportunity costs so pooling is not mistaken for “free money”.
Before a household buys, their monthly contribution goes into the shared pool. After they buy, they stop “saving” and instead repay any internal loan using the affordability headroom left after bank payments.
Adjust household savings, monthly contributions, and custom order if the group members are not identical.
| Household | Initial savings | Monthly contribution | Affordability cap | Need score | Custom order |
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| Household | Individual month | Pooling month | Months gained | Internal loan received | Internal interest paid | Internal interest received | Bank interest avoided | Opportunity cost | Net benefit | Equalization payment |
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| Scenario | Type | Avg acceleration | Net group savings | Worst household | Action |
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