From OTP to completion of sale.

Every payment due from OTP to Completion of Sale, what's due, when, and in what order. After that, payments follow construction milestones, not a calendar.

OTP to Completion of Sale 5stages
Signing (S&P) to Completion — not adjustable 8wks fixed
Checked 29 Jul 2026
HDB resale timelinePrivate property timelineAll tools
Stage 1 of 5
OTP to Completion of Sale

Five milestones, eight weeks.

Durations on the line are proportional to actual time. Click any node to explore that stage.

Days, OTP to Receive S&P (up to 14 days)
14 days
14 max
Days, Receive S&P to Exercise (up to 21 days)
21 days
21 max
OTP date
Day--
Month---
Year----
01 / 05
OTP date
Day--
Month---
Year----
01
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That's Completion of Sale

Next: construction milestones.

Run your numbers →
After Completion of Sale — No Fixed Dates

Then it's construction milestones.

These payments are billed as your unit's construction is certified by the developer's architect, not against a calendar. No dates below on purpose; here's simply the order, top to bottom.

01Foundation10%
02Reinforced Concrete Framework10%
03Partition Walls5%
04Roofing / Ceiling5%
05Doors, Windows & Electrical Wiring5%
06Car Park, Roads & Drains5%
07TOP — Keys Collected25%
08CSC — Final Completion15%

These 8 milestones make up the remaining 80% of the purchase price. If you're on a bank loan, disbursement matches each billing stage: unlike a resale purchase's lump-sum disbursement.

Questions at any stage?

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