This calculator models a Lucerne Grand purchase end to end under the Progressive Payment Scheme: your loan-to-value tier and downpayment, the stamp duty for your buyer profile, and the monthly instalment at every construction stage as the bank disburses the loan progressively — the mechanism explained on the payment scheme page. The price field opens at an illustrative $1,500,000; replace it with the price of the home you are considering from the price list.
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 |
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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 your 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. Add the whole disbursement column and it sums to your loan, not the price. Instalments are amortised on the cumulative amount drawn over the full term. Rates per IRAS/MAS as of October 2026 — indicative only, confirm with your bank. The confirmed Lucerne Grand schedule is set out in the Sale & Purchase Agreement.
Reading Your Lucerne Grand Payment Schedule
The shape matters as much as the total. Cash and CPF cover the downpayment tier your LTV allows, then the bank disburses in step with certified construction — so instalments start small and step up over a build that typically runs three to four years to TOP. Buyers servicing an existing loan see the difference vividly here: at 45% LTV the upfront funds more than double, which is why upgraders sequence a sale before exercising.
The ABSD line often exceeds every other cost combined for second-property and foreign buyers — the stamp duty guide covers the remission and refund rules in detail. Size your loan ceiling first with the TDSR calculator, then book an appointment and the Sales Concierge will map this schedule against the Lucerne Grand construction timeline.
Register Your Interest in Lucerne Grand
The e-brochure, the full set of floor plans and the current price list are sent to registered parties by the Sales Concierge. Showflat viewings are arranged by appointment through the Sales Concierge. Registering is free and carries no obligation.
What the Sales Concierge sends
- The Lucerne Grand e-brochure and the full project details.
- All seventeen floor plan types, from the 624 sq ft 2-bedroom to the 1,432 sq ft 4-bedroom premium with entertainment room.
- The current price list and the balance units as they update.
Register Your Interest
Prefer to speak to someone? Call +65 6200 6220, or message the same number on WhatsApp.