A tastefully renovated 1-bedroom, 1-bathroom unit at The Garden Residences, spanning 452 sqft. The unit comes fitted with Ziptrack and ID treatment, and features an efficient, squarish layout that is bright, airy, and windy. The facing is quiet and peaceful with greenery views, and the kitchen is open-concept. The unit is well-maintained and considered suitable for investment. The Garden Residences is a 99-year leasehold condominium completed in August 2021, developed by a joint venture between Keppel Land and Wing Tai. The development comprises 613 units across low-rise blocks set within lush landscaping. It offers 55 facilities including a 75m swimming pool, garden Onsen, hydrotherapy pavilion, floating yoga deck, 24-hour gym, BBQ pavilions, karaoke room, and a 200m scenic boardwalk lined with over 100 plant species. A smart home system is integrated, supporting air-conditioning and water heater scheduling, smart locks, detectors, and Verkada security. The development is located along Serangoon North View in District 19, approximately 690m (8 minutes' walk) from the upcoming Serangoon North MRT Station (CR9) on the Cross Island Line. Nearby amenities include FairPrice supermarkets within 500m, Serangoon Garden Secondary School within 400m, and multiple bus stops within walking distance.
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Monthly repayment + total upfront — Singapore BSD/ABSD included.
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Monthly repayment$3,109
↳Principal$1,298
↳Interest$1,811
Loan amount$621,000
Down payment$207,000
↳Min. cash (5%)$41,400
↳CPF OA usable$165,600
Buyer's Stamp Duty (BSD)$19,440
Upfront cash + CPF needed$226,440
Total interest over loan$311,662
The minimum-cash portion above must be paid in cash; the rest of the down payment can come from your CPF OA. BSD/ABSD is usually paid in cash first, then reimbursable from CPF OA — subject to your available OA balance.
Indicative only. Actual rates, TDSR caps, MSR (for HDB), and bank approvals will vary. Consult a mortgage broker.