Min. cash upfront—Booking fee (plus more if LTV < 75%)
Cash / CPF within 8 weeks—
Stamp duty (BSD)—Within 14 days of exercise
Full instalment after CSC—
| Stage | % | Amount | Paid by | Approx. timing | Monthly instalment after |
|---|
Instalments are estimated on the cumulative amount drawn down, amortised over the full tenure. Actual timing depends on construction progress and your bank.
Get my personalised payment planWhy progressive payment suits HDB upgraders
With a completed resale condo, you pay everything within about 10–12 weeks. With a new launch like One Chuan Grove, 80% of the price is spread over roughly four to five years. In practice:
- Your cash and CPF outlay in year one is limited to 20% plus stamp duties.
- Loan instalments start small and rise gradually as each construction stage is billed.
- You can stay in your HDB flat during construction and sell it close to TOP. Married Singapore Citizen couples have up to 6 months after TOP to sell and claim back the ABSD.
One payment scheme for new launches
New private launches, including One Chuan Grove, are sold under the progressive (normal) payment scheme shown above. The exact terms will be set out in the Sale & Purchase Agreement.