Artist’s impressionHow Zyon Grand Is Paid For, Stage by Stage
A home at Zyon Grand is bought while it is still being built, so the normal progressive payment scheme applies. The price is settled in parts, each triggered by a step in the works, from the booking fee on the grant of the option to purchase to the last payment on the Certificate of Statutory Completion. The Housing Developers Rules lay down both the steps and their percentages.
Below, each step is listed as at October 2026, beside its own share of the price and the running total a buyer has paid by then.
| Stage | Share of price | Paid so far |
|---|---|---|
| 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 running total tells the story. By the time the roofing and ceiling are finished, the buyer has paid half of the price; after the car park, roads and drains, the figure is 60%. That leaves 40% for the two closing steps: TOP, and then the Certificate of Statutory Completion.
What a Zyon Grand Buyer Pays Up Front
Money changes hands at Zyon Grand before a single construction stage is certified. When the option to purchase is granted, the buyer pays a booking fee of 5% in cash. The sale and purchase agreement follows within eight weeks and calls for another 15%, so 20% of the price is settled before the foundation instalment is reached.
Stamp duty runs on its own track and arrives early. IRAS expects Buyer’s Stamp Duty, plus any Additional Buyer’s Stamp Duty, no later than 14 days after the sale and purchase agreement is signed, which places it in the opening budget next to the booking fee. Its rates are on this site’s stamp duty page.
Splitting a Zyon Grand Purchase between Cash, CPF and Loan
Banks lend only after the buyer has put in their own portion, and MAS sets how much of that portion has to be cash. As at October 2026, a buyer with no other housing loan outstanding may borrow up to 75% of the price. Of the 25% left to the buyer, the 5% booking fee meets the cash minimum of 5%, and the other 20% may be cash, CPF Ordinary Account savings or both, within the CPF limits.
On a 75% loan, the sums line up neatly. The booking fee plus the 15% due under the agreement come to 20%; the buyer then covers the first half of the 10% foundation instalment to complete their 25%, and the bank takes over for every certified stage after that.
Some loans fall into the lower band: those running more than 30 years, or beyond the borrower’s 65th birthday. There the loan is capped at 55% and the cash minimum rises to 10%, so the buyer funds more of the early stages personally. Buyers who already have a housing loan face lower limits still, as the housing loan page sets out.
Separately, the loan has to clear the Total Debt Servicing Ratio, under which a borrower’s monthly debt repayments, taken together, may not exceed 55% of gross monthly income. For one borrower or two, the TDSR calculator gives an estimate of the loan a given income can carry.
How the Zyon Grand Loan Is Drawn as the Towers Rise
Each time a stage is certified, the developer issues a notice and the bank releases that instalment. Interest during construction is charged only on what has been released, so the monthly repayment begins low and grows with the building.
Construction at Zyon Grand is already under way, so stages may have been certified before a particular home is booked. Those earlier instalments are then settled to the schedule in the sale and purchase agreement, and the opening outlay is usually larger as a result. For any home on your shortlist, the Sales Concierge can say which stages have been reached.
Ask the Sales Concierge for the current price list, the homes still open for booking, a payment schedule for the home you pick and the stamp duty for your profile, and the cash needed at every stage is clear before you commit.
The Final Instalments at Zyon Grand and Tools to Plan Them
Two of the biggest payments come last: 25% when the Temporary Occupation Permit is issued and 15% on the Certificate of Statutory Completion. The developer’s e-brochure expects vacant possession by 30 September 2032 and legal completion by 30 September 2035; each home’s own dates are those in its sale and purchase agreement.
Enter your own figure in the progressive payment calculator to see the sum due and an estimated monthly instalment at every stage. The payment scheme page lists each instalment, the housing loan page explains the loan limits, and the Sales Concierge can draw up a payment schedule for whichever home you choose. Showflat viewings are arranged by appointment through the Sales Concierge.
General information as at the date shown; it is not financial, legal or tax advice. Particulars of Zyon Grand come from the developer’s e-brochure, plans and preliminary factsheet and CDL’s releases; statutory figures are those on this site’s financing pages, and distances are straight lines measured on OneMap. Sources: the Housing Developers Rules schedule and MAS loan limits (checked 20 October 2026) and the developer’s e-brochure (expected dates), as set out on this site’s payment scheme and housing loan pages.
Ask the Sales Concierge about Zyon Grand
Ask the Sales Concierge for the Zyon Grand price list, the homes that remain and the e-brochure. Showflat viewings are arranged by appointment through the Sales Concierge.