Independent property analysis to help you make informed decisions
Your monthly after keys at 3.8%
During build, payments can peak around $8,313/mo (interest-only while funds are drawn).
At 3.8%, after-keys monthly is $12,231; that's +$1,164/mo vs 3.0%.
Last updated: Jan 2025 • Basis: 30-yr, 80% LTV • Status: Scenario estimate •See method
Changes
Cash: $849,600
Peak: $8,313/mo
Peak cash outflow in a pre-TOP month (lower is better)
Loan interest: ~$1,663/mo — from Jun 2026 • Structural framework completed (10%): $350,000 — Dec 2026 • Walls and roofing completed (10%): $350,000 — Jun 2027
Based on today's rate and price — adjust above
Total Cash Needed
$849,600
Including BSD
After TOP Monthly
$12,231
30-year mortgage
Stamp Duty (BSD)
$149,600
Interest During Build
$164,041
What affects your payments?
Changes
Cash: $849,600
Peak: $8,313/mo
Peak cash outflow in a pre-TOP month (lower is better)
Our senior agents can walk through your numbers and explain the timeline. No pressure, just clarity.
VS RENTING - Context only
At booking, you'll pay 5% of the property price in cash. This secures your unit and starts your PPS journey.
Amount
S$175K
Method
Cash
Your Payment Timeline
Lump sum payments during pre-construction
Showing pre-construction lump sums; scale up to S$500K
Consult your mortgage advisor for accurate calculations. This tool provides estimates only.
Negotiate Better Rates
Our advisors help secure optimal terms
BSD Optimization
Different profiles, different stamp duties
Personalized Strategy
CPF vs cash timing matters
At signing
5%
$
Month 6
10%
$
Month 12
10%
$
Month 18
5%
$
Month 24
5%
$
Month 30
5%
$
Month 36
5%
$
Month 48
25%
$
Month 49
15%
$
Month 52
15%
$
Total Investment
$4,500,000
Timeline
~36 months
💡 Pro Tip: During construction, you only pay progressive payments. Monthly mortgage payments begin after TOP when you receive your keys.
