The Sen
Overview
Five 10-storey blocks with 347 units near Beauty World MRT and Bukit Timah Nature Reserve. Includes a childcare centre and swimming pool, targeting families seeking suburban greenery and nature access close to the Bukit Timah education belt.
Price & Units
The Sen Siteplan
The Sen Floor Plan & Elevation Chart
Elevation Chart
![1 Bedroom [ A1 ]](https://nqtdqifehvqehmskdefa.supabase.co/storage/v1/object/public/property-images/the-sen/1778387805966-7k1gfw993j.png)
1 Bedroom [ A1 ]
![2 Bedroom [ B1 ]](https://nqtdqifehvqehmskdefa.supabase.co/storage/v1/object/public/property-images/the-sen/1778387802916-ryjyjvhus6h.png)
2 Bedroom [ B1 ]
![2 Bedroom [ B2 ]](https://nqtdqifehvqehmskdefa.supabase.co/storage/v1/object/public/property-images/the-sen/1778387800399-0qvzlztllun.png)
2 Bedroom [ B2 ]
![2 Bedroom [ B3 ]](https://nqtdqifehvqehmskdefa.supabase.co/storage/v1/object/public/property-images/the-sen/1778387797872-yishsjk6ty.png)
2 Bedroom [ B3 ]
![2 Bedroom + Study [ B4 ]](https://nqtdqifehvqehmskdefa.supabase.co/storage/v1/object/public/property-images/the-sen/1778387795071-h11yx4t419k.png)
2 Bedroom + Study [ B4 ]
![2 Bedroom + Study [ B4A ]](https://nqtdqifehvqehmskdefa.supabase.co/storage/v1/object/public/property-images/the-sen/1778387792020-by7nm44hymc.png)
2 Bedroom + Study [ B4A ]
![3 Bedroom [ C1 ]](https://nqtdqifehvqehmskdefa.supabase.co/storage/v1/object/public/property-images/the-sen/1778387789092-6altlx46pgv.png)
3 Bedroom [ C1 ]
![3 Bedroom [ C2 ]](https://nqtdqifehvqehmskdefa.supabase.co/storage/v1/object/public/property-images/the-sen/1778387786019-ph8kp8kakq.png)
3 Bedroom [ C2 ]
![3 Bedroom [ C3 ]](https://nqtdqifehvqehmskdefa.supabase.co/storage/v1/object/public/property-images/the-sen/1778387782234-3yxxnwji2.png)
3 Bedroom [ C3 ]
![3 Bedroom + Study [ C4 ]](https://nqtdqifehvqehmskdefa.supabase.co/storage/v1/object/public/property-images/the-sen/1778387779189-9kplekiat0b.png)
3 Bedroom + Study [ C4 ]
![4 Bedroom + Study [ D1 ]](https://nqtdqifehvqehmskdefa.supabase.co/storage/v1/object/public/property-images/the-sen/1778387776481-ybim6vq8lo.png)
4 Bedroom + Study [ D1 ]
![4 Bedroom + Study [ D1A ]](https://nqtdqifehvqehmskdefa.supabase.co/storage/v1/object/public/property-images/the-sen/1778387773643-3b6vxonqgxm.png)
4 Bedroom + Study [ D1A ]
Location
Our Analysis
Payment Plan
Calculator Inputs
Loan Amount
S$ 745,425
Down Payment
S$ 248,475
BSD
S$ 24,417
Full Monthly (after TOP)
S$ 3,732
Section A — Purchase Timeline(from OTP to legal exercise)
Option to Purchase (OTP) Issued
Booking fee — cash only, non-refundable
20 May 2026
S$ 49,695
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$ 149,085
Stamp Duty Due
BSD (tiered formula) + ABSD if applicable
8 Jul 2026
S$ 24,417
Tenure Comparison
Normal (25 yrs)
S$ 3,732/mth
Extended (35 yrs)
S$ 3,081/mth
*LTV ≥ 55% required
Monthly Savings
S$ 651/mth
vs normal tenure
Total cash/CPF needed (OTP to exercise + stamp duty)
S$ 223,197
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$ 49,695
Cash / CPF
Bank Disburses
S$ 49,695
Cumulative: S$ 49,695
Monthly Payment
S$ 249
/month from this stage
7% of full instalment
Concrete Framework
Buyer Lump Sum
—
Bank Disburses
S$ 99,390
Cumulative: S$ 149,085
Monthly Payment
S$ 746
/month from this stage
20% of full instalment
Brick Wall / Partition Walls
Buyer Lump Sum
—
Bank Disburses
S$ 49,695
Cumulative: S$ 198,780
Monthly Payment
S$ 995
/month from this stage
27% of full instalment
Ceiling of Unit
Buyer Lump Sum
—
Bank Disburses
S$ 49,695
Cumulative: S$ 248,475
Monthly Payment
S$ 1,244
/month from this stage
33% of full instalment
Interior (Electrical & Plumbing)
Buyer Lump Sum
—
Bank Disburses
S$ 49,695
Cumulative: S$ 298,170
Monthly Payment
S$ 1,493
/month from this stage
40% of full instalment
Roads, Drains & Carpark
Buyer Lump Sum
—
Bank Disburses
S$ 49,695
Cumulative: S$ 347,865
Monthly Payment
S$ 1,741
/month from this stage
47% of full instalment
Temporary Occupation Permit (TOP)
Buyer Lump Sum
—
Bank Disburses
S$ 248,475
Cumulative: S$ 596,340
Monthly Payment
S$ 2,985
/month from this stage
Legal Completion (CSC)
Buyer Lump Sum
—
Bank Disburses
S$ 149,085
Cumulative: S$ 745,425
Monthly Payment
S$ 3,732
/month from this stage
Total cash/CPF across all stages (excl. stamp duty)
S$ 248,475
* 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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