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Guide
HDB
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selling resale HDB
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Stamp Duty Calculator
Progressive Payment Calculator
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Monthly Installment Calculator
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Guide
HDB
BTO
Buying resale HDB
selling resale HDB
Private properties
New Launch
New Launch (EC)
Private Buyer Guide
Private Seller Guide
Refinancing / Redemption
Commercial properties
Decoupling / Trust
Guide to Trust Deed
Guide to Decoupling
Will / POA / LPA / AMD / Death
Will
Making CPF nomination
POA
LPA
AMD
Tools
Stamp Duty Calculator
Progressive Payment Calculator
Maximum Loan Eligibility Calculator (TDSR)
Rental Yield Calculator
BUC All In One Calculator
Monthly Installment Calculator
About Us
Glossary
Our Affiliates
FAQ
Contact Us
Guide
HDB
BTO
Buying resale HDB
selling resale HDB
Private properties
New Launch
New Launch (EC)
Private Buyer Guide
Private Seller Guide
Refinancing / Redemption
Commercial properties
Decoupling / Trust
Guide to Trust Deed
Guide to Decoupling
Will / POA / LPA / AMD / Death
Will
Making CPF nomination
POA
LPA
AMD
Tools
Stamp Duty Calculator
Progressive Payment Calculator
Maximum Loan Eligibility Calculator (TDSR)
Rental Yield Calculator
BUC All In One Calculator
Monthly Installment Calculator
About Us
Glossary
Our Affiliates
FAQ
Contact Us
Menu
Guide
HDB
BTO
Buying resale HDB
selling resale HDB
Private properties
New Launch
New Launch (EC)
Private Buyer Guide
Private Seller Guide
Refinancing / Redemption
Commercial properties
Decoupling / Trust
Guide to Trust Deed
Guide to Decoupling
Will / POA / LPA / AMD / Death
Will
Making CPF nomination
POA
LPA
AMD
Tools
Stamp Duty Calculator
Progressive Payment Calculator
Maximum Loan Eligibility Calculator (TDSR)
Rental Yield Calculator
BUC All In One Calculator
Monthly Installment Calculator
About Us
Glossary
Our Affiliates
FAQ
Contact Us
Progressive Payment Calculator
Progressive Payment Scheme Calculator
Normal Payment Scheme (NPS), also known as Progressive Payment Scheme, allows you to service your loan via monthly instalments progressively as the property is being built.
Purchase Price ($)
*
Eg; 900,000
Loan Term (Years)
*
Eg; 30
Interest Rate (%)
*
Nationality
Singaporean
Permanent Resident
Foreigner
Corporate Entity
You currently
Do not own a Property
Own 1 Property
Own 2 Properties or more
You are currently servicing
No Housing Loan
1 Housing Loan
2 Housing Loans or more
Financial Analysis
Breakdown of Purchase Price (100%)
Fees
Funds Required
Percentage
Booking Fee (OTP)
Cash Only
Exercise Fee (S&P)
Cash or CPF
Housing Loan
Maximum Bank Loan (LTV)
Other Mandatory Fees
Buyer's Stamp Duty
Cash or CPF
Additional Buyer's Stamp Duty
Cash or CPF
Legal Fee (Approx)
Cash or CPF
Grand Total
Total Funds Required
Monthly Instalments
Stages
Monthly Payment
Disbursement Amount
This is the amount disbursed to the developer from the bank that you have taken the housing loan from.
Stage 1: Foundation Work (10%)
Completion of foundation work
Stage 2: Reinforced Framework (10%)
Completion of reinforced concrete framework of unit
Stage 3: Partition of Walls (5%)
Completion of partition walls of unit
Stage 4: Roof / Ceiling (5%)
Completion of roofing / ceiling of unit
Stage 5: Door/Window/Electric/Piping (5%)
Completion of door sub-frames/ door frames, window frames, electrical wiring, internal plastering and plumbing of unit
Stage 6: Carpark/Road/Drain (5%)
Completion of car park, roads and drains serving the housing project
Stage 7: TOP (25%)
Temporary Occupation Permit - Receive keys, allowed to physically move in
Stage 8: CSC (15%)
Certificate of Statutory Completion - When all the building works are fully completed
*Figures are rounded to nearest dollar.
*Timeframe for each stage for stage 1-6 is between 3-9months (approx).
*Instalments progressively increase as the property is being built, as shown above. You do not need to service the full housing loan immediately.
*Monthly instalments can be paid via funds from your CPF's Ordinary Account (OA) or Cash or both.
*Disclaimer: The computation above is indicative and for illustrative purposes. Any person acting upon or in reliance of this information does so entirely at their own risk. No warranty whatsoever is given and no liability is accepted by us behind this calculator for loss arising directly or indirectly as a result of any action or omission made in reliance of any information presented herein at any time.
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