Artist’s impressionThe homes at Lentor Gardens Residences are sold under construction on the normal progressive payment scheme: the price is paid in stages as the building works are certified, from the booking fee to the last payment at statutory completion.
Lentor Gardens Residences Progressive Payment Stages
The Housing Developers Rules fix the stages and their percentages. The right-hand column shows the share of the price paid once each stage is reached.
| Stage | % of price | Cumulative |
|---|---|---|
| Booking fee, on the grant of the option to purchase | 5% | 5% |
| Sale and purchase agreement, within 8 weeks | 15% | 20% |
| Completion of foundation | 10% | 30% |
| Completion of reinforced concrete framework | 10% | 40% |
| Completion of partition walls | 5% | 45% |
| Completion of roofing and ceiling | 5% | 50% |
| Completion of doors, windows, electrical wiring and plumbing | 5% | 55% |
| Completion of car park, roads and drains | 5% | 60% |
| Temporary Occupation Permit (TOP) | 25% | 85% |
| Certificate of Statutory Completion | 15% | 100% |
Standard schedule for a building under construction under the Housing Developers Rules, checked 20 October 2026. Construction at Lentor Gardens Residences is under way, so any stage already certified when you book falls due on the timetable in the sale and purchase agreement. The Sales Concierge confirms the stages reached for a particular home.
Cash, CPF and the Loan at Lentor Gardens Residences
The 5% booking fee is paid in cash. The rest of the buyer’s own share is paid before the bank starts to lend, and MAS sets how much of it must be in cash. A buyer with no outstanding housing loan may borrow up to 75% of the price; of the 25% paid first, at least 5% must be cash, which the booking fee covers, and the other 20% may come from cash or CPF Ordinary Account savings within CPF limits.
| Borrower | Max loan | Own funds | Minimum cash |
|---|---|---|---|
| No outstanding housing loan | 75% | 25% | 5% |
| No outstanding loan, tenure over 30 years or past age 65 | 55% | 45% | 10% |
| One outstanding housing loan | 45% | 55% | 25% |
| Two or more outstanding housing loans | 35% | 65% | 25% |
Source: MAS, checked 20 October 2026. Limits can change; confirm with MAS or your bank before signing.
On a 75% loan, the booking fee and the 15% at the sale and purchase agreement take the buyer to 20% of the price, the first half of the foundation instalment completes the 25%, and the bank pays each certified stage from then on. The housing loan page explains when the lower limits apply.
How a Loan Is Drawn at Lentor Gardens Residences
Each certified stage brings a progress notice from the developer, and the bank pays that instalment. Interest during construction is charged only on the amount drawn, so repayments start small and grow as the works advance.
Where some stages are already certified at booking, the instalments due are paid on the timetable in the sale and purchase agreement, which usually means a larger sum early on. The Sales Concierge sets out the position for the home you choose.
Interest only on what is drawn.
Repayments begin small and rise as each stage of the building is certified.
Lentor Gardens Residences Completion and the Final Instalments
The 25% instalment falls due at the Temporary Occupation Permit and the last 15% at the Certificate of Statutory Completion. The developer’s brochure gives 31 December 2030 as the expected date of vacant possession and 31 December 2033 as the expected date of legal completion; the dates for a particular home are those in its sale and purchase agreement.
Stamp duty is paid separately and early, as the stamp duty page explains. The progressive payment calculator gives the sum and the estimated monthly instalment at each stage for a chosen price and loan.
Request the Lentor Gardens Residences Price List
Lentor Gardens Residences is now selling. The Sales Concierge replies with the developer’s current price list and the homes still open for selection. Showflat viewings are arranged by appointment through the Sales Concierge.
Sent on request
- The current price list and the homes still open for selection.
- The e-brochure and the floor plans you shortlist.
- A payment schedule and the stamp duty for your profile.
- A showflat appointment at a time that suits you.
Request the Price List
No obligation. The Sales Concierge responds personally to every enquiry.
Prefer to speak to someone? Call +65 6200 6220, or send a WhatsApp message to the same number.