Thomson Reserve
Overview
Singapore's most anticipated 2026 mega-launch, Thomson Reserve occupies the former Thomson View en-bloc site on Bright Hill Drive — a 2-minute walk to Upper Thomson MRT (TEL). Developed by the UOL–SingLand–CapitaLand trio, the 1,240-unit project will be one of the largest private launches in District 20 in years. Pricing expected at preview in Q4 2026.
Price & Units
Location
Nearby Amenities
- Upper Thomson MRT
- Ai Tong School (within 1km priority zone)
- Thomson Plaza (direct link via MRT)
Our Analysis
Full analysis coming soon.
We're working on an in-depth review for this project.
Payment Plan
Calculator Inputs
Loan Amount
S$ 1,125,000
Down Payment
S$ 375,000
BSD
S$ 44,600
Full Monthly (after TOP)
S$ 5,632
Section A — Purchase Timeline(from OTP to legal exercise)
Option to Purchase (OTP) Issued
Booking fee — cash only, non-refundable
7 Sept 2026
S$ 75,000
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$ 225,000
Stamp Duty Due
BSD (tiered formula) + ABSD if applicable
26 Oct 2026
S$ 44,600
Tenure Comparison
Normal (25 yrs)
S$ 5,632/mth
Extended (35 yrs)
S$ 4,650/mth
*LTV ≥ 55% required
Monthly Savings
S$ 982/mth
vs normal tenure
Total cash/CPF needed (OTP to exercise + stamp duty)
S$ 344,600
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$ 75,000
Cash / CPF
Bank Disburses
S$ 75,000
Cumulative: S$ 75,000
Monthly Payment
S$ 375
/month from this stage
7% of full instalment
Concrete Framework
Buyer Lump Sum
—
Bank Disburses
S$ 150,000
Cumulative: S$ 225,000
Monthly Payment
S$ 1,126
/month from this stage
20% of full instalment
Brick Wall / Partition Walls
Buyer Lump Sum
—
Bank Disburses
S$ 75,000
Cumulative: S$ 300,000
Monthly Payment
S$ 1,502
/month from this stage
27% of full instalment
Ceiling of Unit
Buyer Lump Sum
—
Bank Disburses
S$ 75,000
Cumulative: S$ 375,000
Monthly Payment
S$ 1,877
/month from this stage
33% of full instalment
Interior (Electrical & Plumbing)
Buyer Lump Sum
—
Bank Disburses
S$ 75,000
Cumulative: S$ 450,000
Monthly Payment
S$ 2,253
/month from this stage
40% of full instalment
Roads, Drains & Carpark
Buyer Lump Sum
—
Bank Disburses
S$ 75,000
Cumulative: S$ 525,000
Monthly Payment
S$ 2,628
/month from this stage
47% of full instalment
Temporary Occupation Permit (TOP)
Buyer Lump Sum
—
Bank Disburses
S$ 375,000
Cumulative: S$ 900,000
Monthly Payment
S$ 4,506
/month from this stage
Legal Completion (CSC)
Buyer Lump Sum
—
Bank Disburses
S$ 225,000
Cumulative: S$ 1,125,000
Monthly Payment
S$ 5,632
/month from this stage
Total cash/CPF across all stages (excl. stamp duty)
S$ 375,000
* 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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