New launch payments

See what you pay at each construction stage of a new launch, when the bank loan starts and how the monthly repayment grows.

Your own funds before the loan starts—

Cash and CPF paid before the bank begins disbursing.

Bank loan at completion—

Booking fee (cash)—

First 20% within 8 weeks—

Loan starts at—

Monthly repayment once fully drawn—

How this estimate works

The schedule follows the Housing Developers Rules for the normal progressive payment scheme: 20% within 8 weeks of the option (including a 5–10% booking fee), 10% each at foundation and the reinforced concrete framework, 5% each at partition walls, roofing, door and window frames with wiring and plumbing, and car park, roads and drains, 25% at TOP and the final 15% on completion and CSC.

Your own funds (price × (1 − financing limit)) are applied first; the bank disburses the rest stage by stage. The monthly repayment shown after each stage is the amortising instalment on the amount drawn so far at the rate you entered. Banks may charge interest only during construction, and actual stage dates depend on the developer.

Official references: Housing Developers Rules, MoneySense LTV and minimum cash. Rules checked 3 November 2026.

More planning tools.

Compare two homesUpfront and monthly costs side by side Pledge or show fundsAssets needed to meet the 55% TDSR Rental stamp dutyIRAS lease duty for a tenancy agreement Amortisation tableInterest, principal and balance, year by year Age and loan tenureLongest tenure before the loan limit drops Safety netMonths of repayments your savings cover Decoupling stamp dutyBSD and ABSD on buying a co-owner’s share Exit forecastA what-if sale after a few years Core calculatorsSale proceeds, affordability, mortgage, BSD, ABSD, SSD

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