Elta
Overview
The final land plot along Clementi Avenue 1, positioned between two established developments near Clementi MRT. Convenient access to NUS, NTU shuttle links, top schools, and the retail belt at Clementi Mall and 321 Clementi.
Price & Units
Location
Our Analysis
Full analysis coming soon.
We're working on an in-depth review for this project.
Payment Plan
Calculator Inputs
Loan Amount
S$ 868,500
Down Payment
S$ 289,500
BSD
S$ 30,920
Full Monthly (after TOP)
S$ 4,348
Section A — Purchase Timeline(from OTP to legal exercise)
Option to Purchase (OTP) Issued
Booking fee — cash only, non-refundable
20 May 2026
S$ 57,900
Sales & Purchase (S&P) Agreement Received
Developer sends S&P within 2 weeks of OTP
3 Jun 2026
Exercise S&P Agreement
Pay remaining downpayment — cash or CPF
24 Jun 2026
S$ 173,700
Stamp Duty Due
BSD (tiered formula) + ABSD if applicable
8 Jul 2026
S$ 30,920
Tenure Comparison
Normal (25 yrs)
S$ 4,348/mth
Extended (35 yrs)
S$ 3,589/mth
*LTV ≥ 55% required
Monthly Savings
S$ 758/mth
vs normal tenure
Total cash/CPF needed (OTP to exercise + stamp duty)
S$ 262,520
Section B — Progressive Payment During Construction
During construction the bank disburses progressively. You pay a full amortised instalment on the drawn amount — not interest-only. Monthly payment steps up at each milestone as more of the loan is released.
Foundation
Buyer Lump Sum
S$ 57,900
Cash / CPF
Bank Disburses
S$ 57,900
Cumulative: S$ 57,900
Monthly Payment
S$ 290
/month from this stage
7% of full instalment
Concrete Framework
Buyer Lump Sum
—
Bank Disburses
S$ 115,800
Cumulative: S$ 173,700
Monthly Payment
S$ 870
/month from this stage
20% of full instalment
Brick Wall / Partition Walls
Buyer Lump Sum
—
Bank Disburses
S$ 57,900
Cumulative: S$ 231,600
Monthly Payment
S$ 1,159
/month from this stage
27% of full instalment
Ceiling of Unit
Buyer Lump Sum
—
Bank Disburses
S$ 57,900
Cumulative: S$ 289,500
Monthly Payment
S$ 1,449
/month from this stage
33% of full instalment
Interior (Electrical & Plumbing)
Buyer Lump Sum
—
Bank Disburses
S$ 57,900
Cumulative: S$ 347,400
Monthly Payment
S$ 1,739
/month from this stage
40% of full instalment
Roads, Drains & Carpark
Buyer Lump Sum
—
Bank Disburses
S$ 57,900
Cumulative: S$ 405,300
Monthly Payment
S$ 2,029
/month from this stage
47% of full instalment
Temporary Occupation Permit (TOP)
Buyer Lump Sum
—
Bank Disburses
S$ 289,500
Cumulative: S$ 694,800
Monthly Payment
S$ 3,478
/month from this stage
Legal Completion (CSC)
Buyer Lump Sum
—
Bank Disburses
S$ 173,700
Cumulative: S$ 868,500
Monthly Payment
S$ 4,348
/month from this stage
Total cash/CPF across all stages (excl. stamp duty)
S$ 289,500
* Dates are estimates based on typical BCA construction milestones. Actual dates depend on developer progress notices. Max loan tenure for private residential property is 30 years (Singapore MAS rules). LTV limits: 75% for first property, 45% for second, 35% for third+.
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