Artist’s impressionHow a Lentoria Home Is Paid For
A home at Lentoria is bought under construction and paid for in stages. Under the normal progressive payment scheme, the Housing Developers Rules fix each stage and the share of the price due when it is certified. The first payment is a 5% booking fee, due when the option to purchase is granted; the last is 15%, due at the Certificate of Statutory Completion.
The table sets out the ten stages, with the running total paid once each stage is certified. Read another way, 60% of the price is spread across the construction stages up to the car park, roads and drains, and the remaining 40% falls at the Temporary Occupation Permit and statutory completion. The rules described here are those read on 22 October 2026.
| Stage | Share of the price | Paid in total |
|---|---|---|
| Booking fee, on the grant of the option to purchase | 5% | 5% |
| Sale and purchase agreement, within 8 weeks | 15% | 20% |
| Completion of foundation | 10% | 30% |
| Completion of reinforced concrete framework | 10% | 40% |
| Completion of partition walls | 5% | 45% |
| Completion of roofing and ceiling | 5% | 50% |
| Completion of doors, windows, electrical wiring and plumbing | 5% | 55% |
| Completion of car park, roads and drains | 5% | 60% |
| Temporary Occupation Permit (TOP) | 25% | 85% |
| Certificate of Statutory Completion | 15% | 100% |
Housing Developers Rules schedule, as read on 22 October 2026. The sale and purchase agreement for each home governs.
Cash, CPF and the Loan in a Lentoria Purchase
The booking fee is paid in cash. After that, the buyer’s own share goes in before the bank releases anything, and MAS fixes how much of that share must be cash. Without any other housing loan outstanding, a buyer may borrow as much as 75% of the price: the booking fee meets the 5% cash minimum, and the next 20% can come from cash or CPF Ordinary Account savings, subject to CPF rules.
On a 75% loan, the booking fee and the 15% due on signing take the buyer to 20%; half of the 10% foundation instalment then brings the buyer’s share to 25%, and from there the loan carries every stage. If the loan falls in the lower band, because the tenure runs beyond 30 years or past age 65, the cap drops to 55% and at least 10% of the price must be cash.
| Borrower | Largest loan | Own funds | Minimum cash |
|---|---|---|---|
| No outstanding housing loan | 75% | 25% | 5% |
| No outstanding loan, tenure over 30 years or past age 65 | 55% | 45% | 10% |
| One outstanding housing loan | 45% | 55% | 25% |
| Two or more outstanding housing loans | 35% | 65% | 25% |
Source: MAS, limits as read on 22 October 2026. Confirm the current limits with MAS or a lender before signing.
Booking at Lentoria While Construction Is Well Advanced
Construction at Lentoria is well advanced, with vacant possession expected by 2 July 2027, and that changes how the early part of the schedule feels. On a project close to completion, the early instalments do not wait: those for stages already certified fall due together on the timetable set out in the sale and purchase agreement.
In practice, more of the price is paid soon after booking and more of the loan is drawn at once. Interest runs only on the sum drawn, but the monthly repayment starts higher than it would on a project still at foundation stage. The Sales Concierge sets out which stages have been certified at the time of booking, and the sums that fall due together.
Stamp Duty alongside the Lentoria Instalments
Stamp duty sits outside the progressive payment schedule but arrives early. Buyer’s Stamp Duty, and any Additional Buyer’s Stamp Duty, is payable within 14 days of signing the sale and purchase agreement, so it is one of the first payments a buyer makes, alongside the booking fee and well before most of the loan is drawn.
The Lentoria stamp duty page sets out the IRAS rates, and how much stamp duty applies to a Lentoria home explains how the duty is worked out for different buyers.
Completion and the Final Lentoria Instalments
The last two stages carry the largest single instalments after signing: 25% at the Temporary Occupation Permit and 15% at the Certificate of Statutory Completion. For Lentoria, the developer expects vacant possession by 2 July 2027 and legal completion by 2 July 2030, though each home is bound by the dates in its own sale and purchase agreement.
The Lentoria progressive payment calculator shows the sum due and an estimated monthly instalment at each stage for any price and loan you enter, dividing each stage between cash, CPF and the loan, and the payment scheme page explains the stages in full. For an actual home, ask the Sales Concierge for the price list and a payment schedule that reflects the stages already certified.
General information as at the date shown, not financial, legal or tax advice. Particulars of Lentoria come from the developer’s published particulars, fact sheet, brochure and plans; statutory figures are those on this site’s financing pages, and distances are straight lines measured on OneMap. Sources: the Housing Developers Rules schedule and the MAS loan limits as read on 22 October 2026, and the developer’s expected dates, as set out on this site’s payment scheme, housing loan and stamp duty pages.
Ask the Sales Concierge about Lentoria
Ask the Sales Concierge for the price list, the homes that remain and the e-brochure for Lentoria. Showflat viewings are arranged by appointment through the Sales Concierge.