Artist’s impressionThe Progressive Payment Scheme at The Robertson Opus
Because The Robertson Opus is being built as it is sold, buyers pay through the normal progressive payment scheme rather than in one sum. Payment opens with a booking fee, continues with an instalment on signing the sale and purchase agreement, and then moves in step with the construction until the Certificate of Statutory Completion is issued. Each of those stages, and the percentage attached to it, is fixed by the Housing Developers Rules, as at October 2026.
Below, every stage appears with its percentage and the cumulative amount paid once it has been reached.
| Stage | Share | 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.
The First Payments at The Robertson Opus
It starts with 5%, paid in cash as the booking fee on the grant of the option to purchase. Within eight weeks the buyer signs the sale and purchase agreement and hands over a further 15%, so one fifth of the price, 20%, is settled before the first construction instalment is called.
Between them, the six building stages that come next add 40%, beginning with the foundation and ending with the car park, roads and drains; by the time of the Temporary Occupation Permit, 60% of the price has therefore been paid.
Stamp duty lands in the same early window. IRAS expects Buyer’s Stamp Duty, plus any Additional Buyer’s Stamp Duty, within 14 days of signing the sale and purchase agreement, long before any loan money is drawn, so it is best budgeted alongside the booking fee. Rates are listed on the stamp duty page.
Cash, CPF and the Bank Loan at The Robertson Opus
How much of that early money has to be cash is a matter for MAS. A buyer with no housing loan outstanding elsewhere may borrow as much as 75%, which leaves 25% to fund personally. At least 5% of it must be cash, a requirement the booking fee meets on its own; the remaining 20% may come from cash or from CPF Ordinary Account savings, subject to CPF limits.
On a 75% loan, then, the buyer’s own 25% is used up in the opening stages: 5% at booking, 15% at the agreement, and the first half of the 10% foundation instalment. The bank funds every certified stage after that. If the loan falls into the lower band, which happens when its tenure exceeds 30 years or it would run beyond the borrower’s 65th birthday, the cap drops to 55% and the cash minimum goes up to 10%.
With one housing loan already outstanding, the limit is 45% and the minimum cash 25%, so the buyer’s own funds carry the payments up to 55% of the total, the point reached at the completion of the doors, windows, electrical wiring and plumbing.
| Outstanding housing loans | Standard LTV | Lower LTV | Minimum cash |
|---|---|---|---|
| None | 75% | 55% | 5% (10% in the lower band) |
| One | 45% | 25% | 25% |
| Two or more | 35% | 15% | 25% |
Source: MAS, checked 20 October 2026. Limits can change; confirm with MAS or your bank before signing.
How the Loan Is Drawn at The Robertson Opus
When a stage is certified, the developer sends the buyer a notice and the bank settles that instalment out of the loan. Since interest accrues only on what has been disbursed, the monthly repayment starts modestly and steps up stage by stage as the blocks rise.
Construction at The Robertson Opus is already under way, and a buyer who books after some stages have been certified pays those instalments to the timetable set in the sale and purchase agreement, which typically means a bigger sum early on. Which stages have been reached, and what that means for a given home, is something the Sales Concierge can confirm when you book.
The Final Instalments at The Robertson Opus
The schedule closes with two large instalments: 25% when the Temporary Occupation Permit is issued, and the last 15% on the Certificate of Statutory Completion. On the developer’s published timetable, vacant possession is expected by 30 June 2030 and legal completion by 30 June 2033, although each home is bound by the dates written into its own sale and purchase agreement.
For figures on a chosen home, the progressive payment calculator gives the amount and an estimated monthly instalment at every stage, the payment scheme page lists the schedule, and the housing loan page explains when the lower limits apply. The Sales Concierge sends the price list on request.
On request, the Sales Concierge also prepares a payment schedule for a chosen home, with the stamp duty for the buyer’s profile, and sends the e-brochure and the floor plans of the home types shortlisted. Showflat viewings are arranged by appointment through the Sales Concierge.
General information as at the date shown, not financial, legal or tax advice. Particulars of The Robertson Opus come from the developer’s published particulars, brochure, plans and factsheet; statutory figures are those on this site’s financing pages, and distances are straight lines measured on OneMap. Sources: the Housing Developers Rules payment schedule and the MAS loan limits (checked 20 October 2026), and the developer’s published particulars, as set out on this site’s payment scheme and housing loan pages.
Ask the Sales Concierge about The Robertson Opus
The Sales Concierge sends the price list on request, the homes still available and the e-brochure for The Robertson Opus. Showflat viewings are arranged by appointment through the Sales Concierge.