Resale completion typically takes 10–12 weeks from OTP exercise to key collection — most buyers underestimate this and are caught short on interim housing.
BSD must be paid within 14 days of signing the Sale & Purchase Agreement — this is a hard legal deadline with penalties; have the funds ready before signing.
New launch progressive payment schedule: 5% booking fee, 15% on S&P, then 10% tranches at foundation, frame, wall, ceiling, TOP, and legal completion — you need cash/CPF at each stage.
The OTP exercise deadline is typically 14–21 days from grant — if you miss it, you forfeit the 1% option fee and the seller can re-market the property.
For new launches, legal completion (and full mortgage drawdown) typically occurs 3–6 months after TOP — plan your cash flow to cover dual outgoings (rental + mortgage interest) during this window.
TOP（临时占用许可证）是政府颁发的证明该建筑可以安全占用的证书——您可以在 TOP 入住。合法交割是指所有权合法转让并支付剩余购买资金的时间——通常在新品发布 TOP 后 3-6 个月内完成。在此期间，您可以占用该单位，但尚未合法拥有它。抵押贷款仅在合法完成后才能全额提取。预算 3 至 6 个月的只还利息付款或在 TOP 和合法完成之间延迟抵押贷款启动。