Buyer's Guide
Payment Timeline & Calculators
Calculate your full Progressive Payment Schedule, estimate stamp duties, and understand every cost before you commit.
Property Details
Enter your purchase price, loan parameters, and buyer profile.
Max LTV for bank loans is 75% for SC/PR first property.
- Min. Cash (OTP — 5%)$75,000
- Cash / CPF (S&P — 20%)$300,000
- Bank Loan$1,125,000
Stamp Duty Calculator
BSD is payable by all buyers. ABSD depends on your nationality and number of properties owned.
ABSD Rate Reference — All Buyer Profiles
| Buyer Profile | 1st Property | 2nd Property | 3rd & Above |
|---|---|---|---|
| 🇸🇬 Singapore Citizen | 0% | 20% | 30% |
| 🇸🇬 Singapore PR | 5% | 30% | 35% |
| 🌐 Foreigner (General) | 60% | 60% | 60% |
| 🇺🇸 FTA-Exempt Nationals | 0% | 20% | 30% |
| 🏢 Entity (Company) | 65% | 65% | 65% |
Rates as of 2023. Source: IRAS. Always verify with IRAS before transacting.
Legal Fees (Conveyancing)
Enter the conveyancing fee quoted by your solicitor.
Payable to your solicitor at S&P signing. All legal fees must be paid in cash (not CPF).
Total Upfront Outlay
Everything needed before the first bank disbursement — downpayment + stamp duty + legal fees.
- Cash Only — OTP Booking Fee (5%)$75,000
- Cash or CPF OA — S&P Balance (20%)$300,000
- Stamp Duty (BSD + ABSD)$44,600
- Legal Fees$0
Payment Milestones
Visual breakdown of how your payments progress through construction.
Full Payment Schedule
Standard 10-stage Progressive Payment Schedule (PPS) for new launch condominiums.
| # | Stage | Timing | % | Amount | Source | Cumulative | Monthly P+I |
|---|
Mortgage Repayment Calculator
Estimate your monthly mortgage repayment based on loan amount, interest rate, and tenure.
Amortisation Snapshot
| Year | Opening Balance | Annual Payment | Principal | Interest | Closing Balance |
|---|
Ready to Take the Next Step?
Speak with our team for a personalised consultation on financing and the best new launch projects for your budget.