Shear wall is commonly used as a lateral force resisting system of concrete mid-rise and high-rise buildings, but it brings challenges in providing relatively large space throughout the building height. For this reason, the structure system where the upper structure with bearing, non-bearing and/or shear walls that sits on top of a transfer plate system supported by widely spaced columns at the lower stories is preferred in some regions, particularly in low to moderate seismic regions in Asia. A thick reinforced concrete (RC) plate has often been used as a transfer system, along with RC transfer girders; however, the RC plate becomes very thick for tall buildings. Applying the post-tensioning (PT) technique to RC plates can effectively reduce the thickness and reinforcement as an economical design method. Currently, a simplified model is used for numerical modeling of PT transfer plate, which does not consider the interaction of the plate and the upper structure. To observe the actual behavior of PT transfer plate under seismic loads, it is necessary to model whole parts of the structure and tendons to precisely include the interaction and the secondary effect of PT tendons in the results. This research evaluated the seismic behavior of shear wall-type residential buildings with PT transfer plates for the condition that PT tendons are included or excluded in the modeling. Three-dimensional finite element models were developed, which includes prestressing tendon elements, and response spectrum analyses were carried out to evaluate seismic forces. Two buildings with flat-shape and L-shape plans were considered, and design forces of shear walls and transfer columns for a system with and without PT tendons were compared. The results showed that, in some cases, excluding PT tendons from the model leads to an unrealistic estimation of the demands for shear walls sit on transfer plate and transfer columns due to excluding the secondary effect of PT tendons. Based on the results, generally, the secondary effect reduces shear force demand and axial-flexural demands of transfer columns but increases the shear force demand of shear walls. The results of this study suggested that, in addition to the effect of PT on the resistance of transfer plate, it is necessary to include PT tendons in the modeling to consider its effect on force demand.