The Collective at One Sophia Payment Scheme

Homes at The Collective at One Sophia are sold under construction on the normal progressive payment scheme: the price is paid in stages that track the building of the two blocks, from the booking fee to the final payment at statutory completion.

The Collective at One Sophia Progressive Payment Stages

The stages and percentages are fixed by the Housing Developers Rules. The right-hand column gives the share of the price paid once each stage is reached.

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 (TOP)	25%	85%
Certificate of Statutory Completion	15%	100%

Standard schedule for a building under construction under the Housing Developers Rules, checked 16 October 2026. Construction has been under way since the 2024 preview, so some early stages may already be certified when you book; their instalments then fall due on the timetable in the sale and purchase agreement. The Sales Concierge confirms the stages reached for a particular unit.

Cash, CPF and the Loan at The Collective at One Sophia

The 5% booking fee is paid in cash. The remainder of the buyer’s own share comes before the bank begins to lend, and MAS sets how much of it must be cash. A buyer with no outstanding housing loan may borrow up to 75% of the price; of the 25% paid first, at least 5% must be cash, which the booking fee covers, and the other 20% may come from cash or CPF Ordinary Account savings within CPF limits.

Borrower	Max loan	Own funds	Minimum cash
No outstanding housing loan	75%	25%	5%
No outstanding loan, tenure over 30 years or past age 65	55%	45%	10%
One outstanding housing loan	45%	55%	25%
Two or more outstanding housing loans	35%	65%	25%

Source: MAS, checked 16 October 2026. Limits can change; confirm with MAS or your bank before signing.

On a 75% loan, the booking fee and the 15% at the sale and purchase 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. The housing loan page explains when the lower limits apply.

How a Loan Is Drawn at The Collective at One Sophia

Each certified stage brings a notice from the developer, and the bank pays that instalment. Interest during construction is charged only on what has been drawn, so repayments start low and rise as the two 19-storey blocks go up.

For a unit 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 Sales Concierge sets out the position at the time of booking.

Stage by stage

Interest only on what is drawn.

Repayments begin small and rise as each stage of the building is certified.

The Collective at One Sophia Completion and the Final Instalments

The 25% instalment falls due at the Temporary Occupation Permit and the last 15% at the Certificate of Statutory Completion. The developer’s particulars give the expected date of vacant possession as 31 December 2029 and the expected date of legal completion as 31 December 2032.

Stamp duty is paid separately and early, as the stamp duty page explains. The progressive payment calculator gives the sum and the estimated monthly instalment at each stage for a chosen price and loan.

Now selling

Request The Collective at One Sophia Price List

The Collective at One Sophia is open for sale, and the Sales Concierge sends the current price list with the homes still available by stack. Showflat viewings are arranged by appointment through the Sales Concierge.