Project Description
Want to see how sequences work in the real world? In this project, we will apply knowledge of progressions to explore mortgage lending and the real estate market.
Teams represent different cities and banks, investigate loan conditions, and select apartments of various types and segments. Each participant calculates annuity and differentiated payments, determines the total overpayment, and makes their own conclusions.
Results are discussed within the team, and each group then prepares a presentation for their city, demonstrating market analysis, comparing bank offers, and presenting financial conclusions.
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Stage 1: Market Research
In the first stage, teams determine the category of real estate they will work with. This may include new apartments, secondary housing, monolithic or panel buildings, and specific city districts. After selecting the segment, the team distributes tasks by apartment size — one participant searches for a one-room apartment, another for a two-room apartment, and the third for a three-room apartment.
Each participant analyzes the selected segment, selects three apartments, and records key details: price, area, location, floor, and other characteristics. Based on this information, the participant prepares a separate A5 PDF slide presenting the search results visually.
This way, the team gets a complete overview of the chosen segment, and each participant develops skills in independent market analysis and visual data presentation. This stage lays the foundation for subsequent mortgage calculations and team presentation preparation.
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Stage 2: Mortgage Analysis
In the second stage, teams explore the mortgage conditions in the selected banks. Within each team, every participant works with a different bank to compare various offers on the market.
Each participant chooses a loan term between 10 and 15 years and calculates annuity and differentiated payments. The total overpayment is also determined, providing a clear view of the financial consequences of different options.
The result of this stage is a separate A5 PDF slide, clearly presenting calculations and conclusions for the selected bank. This stage helps reinforce skills with progressions and develops the ability to apply mathematics in real financial situations.
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Stage 3: Presenting Results
In the third stage, teams present the results of their work. Participants demonstrate their calculations of payments and overpayments, clearly showing the financial consequences of different options.
All participants discuss the results within the team, exchange conclusions, and create a joint presentation for their selected city. The team should indicate the city, chosen real estate segment, and compare conditions from different banks.
The outcome of this stage is a single A4 PDF slide that clearly displays all calculations, conclusions, and recommendations. Additionally, each participant completes their workbook and evaluates the hypotheses made at the beginning of the project, comparing them with the actual calculation results.