Artist’s impressionPayments at The Sen in One Line
Homes at The Sen are sold under construction on the normal progressive payment scheme: a 5% booking fee, a further 15% on the sale and purchase agreement within eight weeks, then instalments that follow the works, with 25% at the Temporary Occupation Permit and the last 15% at the Certificate of Statutory Completion.
Registering interest is the first step. The Sales Concierge replies with the current price list, the homes still available and the plans, with no obligation.
The Sen Progressive Payment Stages
The stages and percentages are fixed by the Housing Developers Rules.
| 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 | 25% | 85% |
| Certificate of Statutory Completion | 15% | 100% |
Standard schedule for a building under construction under the Housing Developers Rules. Stages already certified when you book fall due on the timetable in the sale and purchase agreement.
The payment scheme page explains each stage.
Cash, CPF and the Loan at The Sen
The 5% booking fee is paid in cash. The rest of the buyer’s own share comes before the bank begins to lend: with no outstanding housing loan, a buyer may borrow up to 75% of the price, and of the 25% paid first at least 5% must be cash, which the booking fee covers; the other 20% may come from cash or CPF Ordinary Account savings within CPF limits.
On a 75% loan, the booking fee and the 15% at the agreement bring 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 there.
How Repayments Grow at The Sen
Interest during construction is charged only on what the bank has drawn, so repayments start low and rise as each stage is certified. For a home booked after some stages are certified, the instalments already due are paid on the timetable in the sale and purchase agreement, which usually means a larger sum early on.
The developer’s factsheet gives August 2029 as the expected Temporary Occupation Permit, and its brochure gives 31 August 2030 for vacant possession and 31 August 2033 for legal completion. Stamp duty is paid separately, within 14 days of signing.
Registering Interest in The Sen
Registering takes a minute. The enquiry form on the contact page and on most pages of this site asks for a name, a mobile number and an email, with an optional home-type preference and a preferred time; the Sales Concierge can also be reached by phone or WhatsApp on 6200 6220.
There is no obligation, and the Sales Concierge responds personally to every enquiry.
What the Sales Concierge Sends for The Sen
The reply carries the current price list with the homes still available in the Classic and Prestige blocks, the e-brochure and the floor plans of the home types shortlisted, and, on request, a worked payment schedule and the stamp duty for the buyer’s profile.
Showflat viewings are arranged by appointment through the Sales Concierge. The showflat appointment page arranges a time around the buyer’s diary.
From Booking to Keys at The Sen
The journey has a clear order. The buyer is granted the option to purchase and pays the 5% booking fee. Within eight weeks the sale and purchase agreement is signed and a further 15% is paid, and stamp duty falls due within 14 days of signing. After that, each certified stage of construction brings a notice and an instalment, paid from the loan once the buyer’s own share is in.
At the Temporary Occupation Permit a further 25% falls due, handover follows on the timetable in the sale and purchase agreement, and the final 15% is paid at the Certificate of Statutory Completion.
Stamp Duty in the Payment Timeline at The Sen
Stamp duty is not part of the progressive payment schedule, but it falls in the same early weeks. Buyer’s Stamp Duty, and Additional Buyer’s Stamp Duty where it applies, are due within 14 days of signing, so a buyer budgets for them alongside the 5% booking fee and the 15% at the sale and purchase agreement.
The post on stamp duty at The Sen sets out the rates by buyer profile as at October 2026.
Next Steps for The Sen
The progressive payment calculator gives the sum and the estimated monthly instalment at each stage for a price and loan you enter, the TDSR calculator estimates the loan an income supports, and the stamp duty calculator adds the duty for your profile.
With those in hand, the conversation with the Sales Concierge moves quickly from the price list to a shortlist.
This article is general information as at the date shown and is not financial, legal or tax advice. Statutory figures are from IRAS, MAS and MOE where stated; particulars of The Sen are from the developer’s brochure, factsheet, FAQs and plans, and distances from OneMap. Sources: the Housing Developers Rules (payment stages); MAS (loan-to-value limits, checked 20 October 2026); the developer’s brochure (1 November 2025) and factsheet (22 September 2025).
Talk to The Sen Sales Concierge
The Sales Concierge sends the price list on request, the homes still available and the e-brochure for The Sen. Showflat viewings are arranged by appointment through the Sales Concierge.