This calculator models a Duet @ Emily purchase from booking to completion under the Progressive Payment Scheme: the Loan-to-Value tier and downpayment, stamp duty for a buyer profile, and the monthly instalment at each construction stage as the bank draws down the loan, following the schedule on the payment scheme page.
Over 30 years lowers the LTV ceiling.
How the purchase price is funded
| Component | % | Amount |
|---|
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 |
|---|
How to read this table. The drawn this stage column is what the bank pays the developer at that milestone, not the statutory stage percentage — the two differ early on because the downpayment has already covered the first part of the price. At 75% loan-to-value the 25% downpayment absorbs everything up to the 25% mark, so the first disbursement at the foundation stage is only the 5% above it. The disbursement column sums to the loan, not the price. Instalments amortise the cumulative amount drawn over the full term. Rates per IRAS and MAS, verified 26 September 2026 — indicative only, confirm with your bank. The confirmed Duet @ Emily schedule is set out in the Sale & Purchase Agreement.
The purchase price above defaults to a round $1,500,000 purely so the calculator has a figure to work from. It is an illustration and bears no relation to Duet @ Emily, whose prices for available homes are provided by the Sales Concierge on request.
Reading the Duet @ Emily Payment Schedule
Cash and CPF cover the downpayment first; the bank then pays the developer as each stage is certified, so instalments begin small and step up towards the Temporary Occupation Permit. A buyer already servicing a housing loan moves to the 45 per cent LTV tier, which lifts the upfront funds considerably, and for second-property buyers ABSD is often the largest single cost.
Size the loan first with the TDSR calculator, then book a viewing and the Sales Concierge can map this schedule to a particular Duet @ Emily home.