Progressive Payment Calculator

A Wynwood Grand unit is bought under construction, so the price is paid in stages that track certified building progress rather than in one sum at the start. This calculator models the whole sequence: the loan-to-value tier and downpayment, the CPF Housing Grant applied as an offset, the stamp duty for your buyer profile, and the monthly instalment at every stage as the bank disburses the loan progressively. The staging itself is explained on the payment scheme page.

The first 20% falls due before the bank draws a cent: 5% cash on the Option, 15% on signing the Sale & Purchase Agreement. Only once the downpayment tier your LTV allows has been absorbed does the loan begin to disburse, which is why instalments on a Wynwood Grand EC purchase start small and step up across a build that typically runs three to four years to TOP. The CPF Housing Grant lands in your CPF Ordinary Account rather than as cash, so it offsets the CPF portion of the downpayment instead of reducing what you need in the bank on booking day.

Upgraders see the difference most sharply. Still servicing an HDB loan when you exercise the Option and the LTV ceiling falls from 75% to 45%, roughly doubling the funds required upfront — and the ABSD on a second residential property becomes payable in cash within 14 days, recoverable only later and only if the flat is sold within the IRAS window. Sequencing the sale is the single decision that moves the most money. Size your ceiling first on the affordability calculator, price the duty on the stamp duty calculator, then book an appointment and the team will map this schedule against the launch timeline.