The River Opus Progressive Payment Calculator (PPS)

This calculator models a The River Opus 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.

Purchase price ($)

Loan term (years)

Interest rate (% p.a.)

Buyer profile

Residential properties currently owned

Housing loans currently being serviced

How the purchase price is funded

Component	%	Amount

Duty and upfront costs

Loan disbursement and monthly instalment, stage by stage

Stage	Drawn this stage (% of price)	Disbursement amount	Description	Monthly payment	Interest	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 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, with the first-month interest/principal split shown per stage. Rates per IRAS/MAS as of July 2026 — indicative only, confirm with your bank. The confirmed The River Opus schedule is set out in the Sale & Purchase Agreement at launch.

Reading Your The River Opus 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, including the married-couple provisions. Size your loan ceiling first with the TDSR calculator, then book an appointment and the team will map this schedule against the actual launch timeline.