Lentor Gardens Residences
Overview
Lentor Gardens Residences is Kingsford Huray's upcoming launch in the rapidly transforming Lentor Hills estate. With Lentor MRT (TEL) at its doorstep and the developing Lentor Hills precinct maturing around it, this project is positioned as the final major release in the cluster.
Price & Units
Location
Nearby Amenities
- Lentor MRT Station
- Mayflower MRT Station
- Yio Chu Kang MRT Station
- Anderson Primary School
- CHIJ St. Nicholas Girls School
- Mayflower Primary School
- Ang Mo Kio Primary School
- Lentor Modern
Our Analysis
Payment Plan
Calculator Inputs
Loan Amount
S$ 731,250
Down Payment
S$ 243,750
BSD
S$ 23,850
Full Monthly (after TOP)
S$ 3,661
Section A — Purchase Timeline(from OTP to legal exercise)
Option to Purchase (OTP) Issued
Booking fee — cash only, non-refundable
7 Sept 2026
S$ 48,750
Sales & Purchase (S&P) Agreement Received
Developer sends S&P within 2 weeks of OTP
21 Sept 2026
Exercise S&P Agreement
Pay remaining downpayment — cash or CPF
12 Oct 2026
S$ 146,250
Stamp Duty Due
BSD (tiered formula) + ABSD if applicable
26 Oct 2026
S$ 23,850
Tenure Comparison
Normal (25 yrs)
S$ 3,661/mth
Extended (35 yrs)
S$ 3,022/mth
*LTV ≥ 55% required
Monthly Savings
S$ 639/mth
vs normal tenure
Total cash/CPF needed (OTP to exercise + stamp duty)
S$ 218,850
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$ 48,750
Cash / CPF
Bank Disburses
S$ 48,750
Cumulative: S$ 48,750
Monthly Payment
S$ 244
/month from this stage
7% of full instalment
Concrete Framework
Buyer Lump Sum
—
Bank Disburses
S$ 97,500
Cumulative: S$ 146,250
Monthly Payment
S$ 732
/month from this stage
20% of full instalment
Brick Wall / Partition Walls
Buyer Lump Sum
—
Bank Disburses
S$ 48,750
Cumulative: S$ 195,000
Monthly Payment
S$ 976
/month from this stage
27% of full instalment
Ceiling of Unit
Buyer Lump Sum
—
Bank Disburses
S$ 48,750
Cumulative: S$ 243,750
Monthly Payment
S$ 1,220
/month from this stage
33% of full instalment
Interior (Electrical & Plumbing)
Buyer Lump Sum
—
Bank Disburses
S$ 48,750
Cumulative: S$ 292,500
Monthly Payment
S$ 1,464
/month from this stage
40% of full instalment
Roads, Drains & Carpark
Buyer Lump Sum
—
Bank Disburses
S$ 48,750
Cumulative: S$ 341,250
Monthly Payment
S$ 1,708
/month from this stage
47% of full instalment
Temporary Occupation Permit (TOP)
Buyer Lump Sum
—
Bank Disburses
S$ 243,750
Cumulative: S$ 585,000
Monthly Payment
S$ 2,929
/month from this stage
Legal Completion (CSC)
Buyer Lump Sum
—
Bank Disburses
S$ 146,250
Cumulative: S$ 731,250
Monthly Payment
S$ 3,661
/month from this stage
Total cash/CPF across all stages (excl. stamp duty)
S$ 243,750
* 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+.
On This Page
Interested in Lentor Gardens Residences?
Get the latest pricing, floor plans, and showflat details.