This calculator lays out a Terra Hill purchase on the progressive payment scheme: the loan-to-value tier and downpayment, the stamp duty for the buyer’s profile, and the instalment at each stage as the bank releases the loan with construction, following the Terra Hill payment scheme. The price field starts at $1,500,000 as an illustration only and is not the price of any home at Terra Hill, whose prices are issued by the developer through the Sales Concierge.
Over 30 years, or a loan running past age 65, lowers the LTV ceiling.
How the purchase price is funded
| Component | % | Amount |
|---|
Figures assume the loan ends by age 65; a lower loan-to-value limit applies if it runs past that.
Duty and upfront costs
Loan disbursement and monthly instalment, stage by stage
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 |
|---|
Reading the table. Drawn this stage is what the bank pays the developer at that milestone, which is not always the statutory stage percentage: your own funds cover the first part of the price, so at 75% loan-to-value the first bank payment, at the foundation stage, is only the 5% above the 25% you have paid. The disbursement column adds up to the loan, not the price. Instalments are amortised on the amount drawn so far over the full term. IRAS and MAS rates as at October 2026; indicative only, confirm with your bank. The binding Terra Hill schedule is set out in the sale and purchase agreement.
Reading the Terra Hill Payment Schedule
Cash and CPF meet the booking fee and the rest of the buyer’s own share first. The bank then pays each certified stage from the foundation onwards, through TOP and on to the Certificate of Statutory Completion, so the monthly repayment rises as the blocks go up. Where early stages are already certified at booking, the Sales Concierge confirms which.
For a buyer still servicing another home loan, the 45% limit raises the upfront sum considerably, and ABSD may become the largest single cost. Size the loan with the TDSR calculator, then match the schedule to a particular home at a Terra Hill viewing.
Register Your Interest in Terra Hill
The Sales Concierge sends the e-brochure, the floor plans and the current price list for Terra Hill, and arranges a private viewing of the show units at a time that suits you.
What the Sales Concierge sends
- The Terra Hill e-brochure and the full project details.
- The floor plans of all 25 unit types, from the 624 sq ft 2-bedroom to the 3,035 sq ft Prestige penthouse.
- The current price list and the balance units chart by stack and level.
- A private showflat appointment and the site plan of the six landscaped zones on the hillside.
Register Your Interest
No obligation. The Sales Concierge responds personally to every enquiry.
To talk it through instead, call 6200 6220 or send a WhatsApp message to the same number.