Progressive Payment Calculator

Welcome to the New Launch Progressive Payment Calculator—a powerful tool designed to simplify your journey as a prospective condo buyer in Singapore. Whether you’re eyeing a new launch property, this calculator helps you estimate your progressive payment schedule, stamp duties, monthly mortgage payments, and initial capital outlay. By entering key details like purchase price, loan terms, and residency status, you’ll get instant, detailed insights to plan your investment confidently. Try it now to explore your financial options and make informed decisions for your dream home!
Need help? Click here to learn how to use the calculator and its limitations.

New Launch Progressive Payment Calculator

Stamp Duty, Monthly Mortgage Payment, Payment Schedule

Max LTV: 75%
${stage.stage}
Percentage:
${stage.percentage}%
Timeline:
${stage.timeline}
Payment to Developer (SGD):
${payment_to_developer.toLocaleString("en-US", {minimumFractionDigits: 2})}
Cash/CPF Amount (SGD):
${cash_cpf_amount.toLocaleString("en-US", {minimumFractionDigits: 2})}
Loan Disbursement (SGD):
${loan_disbursement.toLocaleString("en-US", {minimumFractionDigits: 2})}
Cumulative Loan Disbursed (SGD):
${cumulative_loan.toLocaleString("en-US", {minimumFractionDigits: 2})}
Monthly Interest During Construction (SGD):
${monthly_interest.toLocaleString("en-US", {minimumFractionDigits: 2})}
Monthly Principal Repayment (SGD)*:
${monthly_principal.toLocaleString("en-US", {minimumFractionDigits: 2})}
Total Monthly Mortgage Repayment (SGD)*:
${total_monthly_payment.toLocaleString("en-US", {minimumFractionDigits: 2})}
`; }); scheduleHtml += "

*Note: Timelines are estimates and may vary by project.

"; const final_monthly_payment = monthly_rate > 0 ? loan_amount * (monthly_rate * Math.pow(1 + monthly_rate, total_payments)) / (Math.pow(1 + monthly_rate, total_payments) - 1) : loan_amount / total_payments; const final_monthly_interest = monthly_rate * loan_amount; const final_monthly_principal = final_monthly_payment - final_monthly_interest; resultsContainer.innerHTML = `

Result

Stamp Duties

Buyer Stamp Duty (BSD): SGD ${bsd.toLocaleString("en-US", {minimumFractionDigits: 2})}

Additional Buyer Stamp Duty (ABSD): SGD ${absd.toLocaleString("en-US", {minimumFractionDigits: 2})}

Total Stamp Duty: SGD ${total_stamp_duty.toLocaleString("en-US", {minimumFractionDigits: 2})}

Note: Stamp duties are payable within 14 days of signing the Sale & Purchase Agreement.

Initial Capital Outlay

Initial Capital Outlay (Stamp Duties + Downpayment): SGD ${initial_capital_outlay.toLocaleString("en-US", {minimumFractionDigits: 2})}

This includes the total Stamp Duties and the Downpayment required at the start of the purchase.

Note: For a ${data.loan_order}, the maximum LTV is ${maxLtv}%. Your loan is set to ${data.loan_percentage.toLocaleString("en-US", {minimumFractionDigits: 2})}%, with a downpayment of ${downpayment_percentage.toLocaleString("en-US", {minimumFractionDigits: 2})}%. Of this, ${min_cash_percentage.toLocaleString("en-US", {minimumFractionDigits: 2})}% (SGD ${min_cash_amount.toLocaleString("en-US", {minimumFractionDigits: 2})}) must be paid in cash, and the remaining ${((remaining_downpayment / data.total_price) * 100).toLocaleString("en-US", {minimumFractionDigits: 2})}% (SGD ${remaining_downpayment.toLocaleString("en-US", {minimumFractionDigits: 2})}) can be paid in cash or CPF.

${scheduleHtml}

Full Monthly Mortgage Payment After Completion

Monthly Interest: SGD ${final_monthly_interest.toLocaleString("en-US", {minimumFractionDigits: 2})}

Monthly Principal Repayment: SGD ${final_monthly_principal.toLocaleString("en-US", {minimumFractionDigits: 2})}

Total Monthly Installment (Principal + Interest): SGD ${final_monthly_payment.toLocaleString("en-US", {minimumFractionDigits: 2})}

Note: Full mortgage payments begin after TOP, with principal and interest components as shown.

`; } inputs.forEach(input => { input.addEventListener("input", calculateResults); input.addEventListener("change", calculateResults); }); calculateResults();});

Got your payment plan ready? Explore our new launch condos and find the perfect property to fit your budget!

View New Launch Condo

How to Use the New Launch Progressive Payment Calculator

Quick Start Guide for Singapore Condo Buyers

This calculator helps you estimate payments, stamp duties, and mortgages for new launch condos in Singapore. Follow these simple steps:
  1. Enter the Purchase Price
    • Input the total price of the condo (e.g., 2,000,000.00 SGD) in the “Total Purchase Price (SGD)” field. Use commas for readability (e.g., “2,000,000.00”).
  2. Select Your Loan Order
    • Choose “1st Loan,” “2nd Loan,” or “3rd Loan or more” using the toggle buttons. The selected button turns black with white text, and the “Max LTV” (e.g., 75%, 45%, 35%) displays next to it.
  3. Set Your Loan Details
    • Enter your loan percentage (e.g., “75.00”), interest rate (e.g., “3.00% per annum”), and loan tenure (e.g., “30 years”) in the respective fields.
  4. Choose Your Residency Status
    • Use the dropdown to select “Singapore Citizen,” “Permanent Resident,” “Foreigner,” or “Entity.”
  5. Indicate Property Ownership
    • Use the toggle buttons to pick “1st Property,” “2nd Property,” or “3rd or More Properties” based on your current property count.
  6. View Results Instantly
    • Results update automatically as you input data. See:
      • Stamp Duties: BSD, ABSD, and total stamp duties.
      • Initial Capital Outlay: Total upfront costs (stamp duties + downpayment).
      • Progressive Payment Schedule: Payment stages, timelines, and amounts (table on desktop, stacked on mobile).
      • Monthly Mortgage: Payments after completion (interest, principal, total).
Tips: Adjust inputs to explore scenarios. Timelines are estimates and may vary by project.

Limitations of the Calculator

  • Estimates Only: Results are based on inputs and current Singapore rules (as of Feb 25, 2025). Actual figures may differ due to bank policies or developer terms.
  • Fixed Rates: Doesn’t account for variable interest rates or future changes.
  • Construction Timelines: Payment schedules use approximate timelines that may not match your project.
  • No Personal Finance Check: Doesn’t assess your income, debts, or credit—consult banks for approval.
  • New Condos Only: Designed for new launch condos, not resale or other property types.
For personalized advice, consult a financial advisor or bank.