Homes at Linktown Residences are sold under the Progressive Payment Scheme, the standard schedule for private homes bought before completion. The buyer pays 20 per cent upfront, and the remaining 80 per cent is paid in stages as construction milestones are certified, with the bank loan drawn down along the way.
The schedule starts with a 5 per cent booking fee when the Option to Purchase is issued, followed by 15 per cent on signing the Sale and Purchase Agreement, which is due within eight weeks. Construction payments follow: 10 per cent on completion of the foundation, 10 per cent on the reinforced concrete framework, 5 per cent each on partition walls, roofing, door and window frames with wiring, plastering and plumbing, and car park, roads and drains. Then 25 per cent is due on the Temporary Occupation Permit and the final 15 per cent on legal completion.
The payment scheme page sets the stages out as a table. The confirmed schedule for Linktown Residences is in the Sale and Purchase Agreement issued at launch.
The 5 per cent booking fee is paid in cash. The next 15 per cent can come from cash and CPF Ordinary Account savings, but a minimum part of the downpayment must be cash: 5 per cent of the price on a first housing loan at the 75 per cent Loan-to-Value tier, 10 per cent at the 55 per cent tier used for tenures over 30 years, and 25 per cent for buyers already servicing a housing loan, as at September 2026.
Once the downpayment is covered, the bank pays the developer at each certified stage. At a 75 per cent loan, the 25 per cent downpayment absorbs the first quarter of the price, so the first disbursement, at the foundation stage, is only the 5 per cent above that.
Because the loan is drawn stage by stage, interest is charged only on the amount disbursed so far. Monthly instalments therefore begin low and step up as the building rises, reaching the full amount after the Temporary Occupation Permit and legal completion. On a development the size of Linktown Residences, construction runs over several years, which spreads the build-up of instalments across that period.
The progressive payment calculator sets out the upfront funds, the split between cash and CPF, and the monthly instalment at each stage for any price, loan tenure and buyer profile. Its default price of $1,500,000 is an illustration only; Linktown Residences pricing is released by the developer in due course. The TDSR calculator sizes the loan first, and the housing loan page explains the LTV tiers.
Take an illustrative price of $1.5 million, a first housing loan at 75 per cent over 30 years, and an interest rate of 1.5 per cent. The buyer pays $75,000 in cash on the Option to Purchase and a further $225,000 in cash and CPF on signing the Sale and Purchase Agreement, plus stamp duty. The bank's first disbursement, at the foundation stage, is 5 per cent of the price, and the monthly instalment on that amount is small. Each later stage adds to the amount drawn and to the instalment, until the full $1,125,000 loan is drawn after legal completion.
The stages follow the construction programme, so the dates are set by progress on site rather than by the calendar. Buyers generally plan for the booking fee and the Sale and Purchase Agreement payment first, since those fall within weeks of booking, and then for instalments that rise over the construction period. Buyers selling another home often time that sale to the later stages or to completion.
The Temporary Occupation Permit stage, at 25 per cent, is the largest single construction payment, and legal completion follows with the final 15 per cent. By then the full loan is drawn and instalments reach their full amount.
The standard schedule is the starting point, and the developer confirms the details for Linktown Residences in its own documents at launch: the booking procedure, the timeline for the Sale and Purchase Agreement, and any variation it offers. The e-brochure and the Sales Concierge are the sources for those details, and registered parties receive them first.