132 Sophia Road, Singapore · A Boutique District 9 Residence
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This calculator models a Sophia Meadow purchase end to end under the Progressive Payment Scheme: your loan-to-value tier and downpayment, the stamp duty for your buyer profile, and the monthly instalment at every construction stage as the bank disburses the loan progressively — the mechanism explained on the payment scheme page.
| Component | % | Amount |
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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 |
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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 your 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. Add the whole disbursement column and it sums to your loan, not the price. Instalments are amortised on the cumulative amount drawn over the full term. Rates per IRAS/MAS as of July 2026 — indicative only, confirm with your bank. The confirmed Sophia Meadow schedule is set out in the Sale & Purchase Agreement at launch.
The shape matters as much as the total. Cash and CPF cover the downpayment tier your LTV allows, then the bank disburses in step with certified construction — so instalments start small and step up over a build that typically runs three to four years to TOP. Buyers servicing an existing loan see the difference vividly here: at 45% LTV the upfront funds more than double, which is why upgraders sequence a sale before exercising.
The ABSD line often exceeds every other cost combined for second-property and foreign buyers — the stamp duty guide covers the remission and refund rules in detail. Size your loan ceiling first with the TDSR calculator, then book an appointment and the team will map this schedule against the actual launch timeline.