Artist’s impressionHomes at Sora are sold while the four towers are being built, under the normal progressive payment scheme: the price is paid in instalments that follow the construction, from the booking fee to the last payment at statutory completion.
Sora Progressive Payment Stages
The Housing Developers Rules fix both the stages and the share of the price due at each. The last column shows how much of the price has been paid once a 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 20 October 2026. Construction at Sora began with the ground-breaking on 29 April 2024 and vacant possession is expected by 31 October 2028, so stages already certified on the day you book are paid on the timetable in the sale and purchase agreement. The Sales Concierge confirms which stages have been reached.
Sora Downpayment: Cash, CPF and the Loan
The 5% booking fee is paid in cash, and the rest of the buyer’s share is paid before the bank lends anything. With no other housing loan outstanding, a buyer may borrow up to 75% of the price. Of the 25% paid first, MAS requires at least 5% in cash, which the booking fee already meets; the other 20% may be 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 20 October 2026. Limits can change; confirm with MAS or your bank before signing.
With a 75% loan, the booking fee and the 15% due at the sale and purchase agreement take the buyer to 20%; half of the foundation instalment brings the total to 25%, and from then on the bank pays each certified stage. The housing loan page sets out when the lower limits apply.
Drawing the Loan at Sora
As each stage is certified, the developer issues a notice and the bank pays that instalment. Interest during construction runs only on the amount drawn, so the monthly repayment starts small and grows as the towers rise.
A home booked after some stages are certified carries those instalments from the outset, on the timetable in its sale and purchase agreement, which usually means more to pay in the first months. The Sales Concierge sets out the sums at the time of booking.
Interest only on what is drawn.
The repayment grows stage by stage as the works at Yuan Ching Road are certified.
Sora Completion and the Last Two Instalments
A quarter of the price falls due at the Temporary Occupation Permit and the final 15% at the Certificate of Statutory Completion. The developer’s brochure gives 31 October 2028 for vacant possession and 31 October 2031 for legal completion; the dates for each home are those in its sale and purchase agreement.
Stamp duty is a separate, early payment, covered on the stamp duty page. For any price and loan, the progressive payment calculator gives the sum due and the estimated monthly instalment at each stage.
Request the Sora Price List
Sora is open for sale, and the Sales Concierge sends the current price list with the homes still available in the four towers by Jurong Lake Gardens. Showflat viewings are arranged by appointment through the Sales Concierge.
Sent on request
- The current price list with the homes still available.
- The e-brochure and the floor plans for the home types you shortlist.
- A worked payment schedule and the stamp duty for your profile.
- A showflat appointment arranged around your diary.
Request the Price List
No obligation. The Sales Concierge responds personally to every enquiry.
Prefer to speak to someone? Call +65 6200 6220, or send a WhatsApp message to the same number.