This calculator models a The Serra Residences purchase from booking to completion under the Progressive Payment Scheme: the Loan-to-Value tier and downpayment, stamp duty for a buyer profile, and the monthly instalment at each construction stage as the bank draws down the loan, following the schedule on the payment scheme page.
Over 30 years lowers the LTV ceiling.
How the purchase price is funded
| Component | % | Amount |
|---|
Duty and upfront costs
Loan disbursement and monthly instalment, stage by stage
Swipe sideways to see the full table
| Stage | Drawn this stage (% of price) | Disbursement amount | Description | Est. monthly payment | Est. monthly interest | Est. monthly principal |
|---|
How to read this table. The drawn this stage column is what the bank pays the developer at that milestone, not the statutory stage percentage — the two differ early on because the downpayment has already covered the first part of the price. At 75% loan-to-value the 25% downpayment absorbs everything up to the 25% mark, so the first disbursement at the foundation stage is only the 5% above it. The disbursement column sums to the loan, not the price. Instalments amortise the cumulative amount drawn over the full term. Rates per IRAS and MAS, verified 26 September 2026 — indicative only, confirm with your bank. The confirmed schedule for The Serra Residences is set out in the Sale & Purchase Agreement.
The purchase price above defaults to a round $1,500,000 purely so the calculator has a figure to work from. It is an illustration and bears no relation to The Serra Residences, whose pricing is released by the developer in due course.
Planning Cash Flow at The Serra Residences
Most of the cash is needed at the start: the 5 per cent booking fee, the balance of the first 20 per cent within eight weeks, and the stamp duty within 14 days of exercise. After that the loan carries each construction stage, and the instalment rises as more is drawn. With estimated TOP in Q4 2030, the larger TOP and completion payments come after the building is finished.
Size the loan first with the TDSR calculator, then book a VVIP preview and the Sales Concierge can map this schedule to a particular home at The Serra Residences.
Register Your Interest in The Serra Residences
The e-brochure, the full floor plan set and indicative pricing, once released by the developer, are sent to registered parties by the Sales Concierge. Registering is free and carries no obligation.
- The e-brochure and the full project details.
- The floor plans for all thirteen unit types, from 710 to 2,669 sq ft.
- Indicative pricing as the developer releases it.
- A private VVIP preview appointment at the sales gallery.
Register Your Interest
Prefer to speak to someone? Call +65 6200 6220, or message the same number on WhatsApp.