The nine stages a developer bills, in the order the law sets, and what your loan does at each.
The figures below are an example. Replace them with yours — they stay in this browser unless you share them or ask for a copy.
Loading…
From agreement to completion
Select a milestone to see what it means for the building, your own funds and your loan. The stages follow notices, not a fixed calendar.
Illustrating your S$1,500,000 purchase · 2.5% loan rate · 25 years
Change purchase detailsStage 3 of 9 · Framework
Columns, beams and floor slabs form the reinforced-concrete framework. Rooms, services and finishes are separate milestones.
S$1,009 / month
S$336 at the previous stage · up S$673.What to look for
This stage refers to the framework of the building, rather than just the floor your unit is on.
Notice that the reinforced concrete framework of the Building has been completed.
Payment is due within 14 days of receiving the relevant notice. There is no fixed interval between construction notices.
Housing Developers Rules, clause 5.1 ↗Payment stages: Housing Developers Rules, clause 5.1 · reviewed 2026-08-31. Amounts use your purchase inputs. Instalments assume an amortising loan on the amount drawn; your bank’s package may differ. Stamp duty is additional and shown below.
| Buyer’s Stamp Dutyprogressive, on the price | S$44,600 |
| Additional Buyer’s Stamp Dutynone — first residential property as a citizen | S$0 |
| To pay within 14 daysfrom the day after the agreement is first executed in Singapore — 30 days if executed abroad | S$44,600 |
No calendar, on purpose. Every construction stage falls due within 14 days of a notice from the developer that the stage is finished. The Rules set the percentages and the order; they set no interval between one notice and the next. A table that prints “6–9 months” beside these figures is showing a builder’s estimate in the same weight as the law.
Why the payment climbs. You are charged only on what has been disbursed, so the instalment steps up each time the bank pays another slice. The figures are the fully amortising payment on the amount drawn so far, over your whole tenure — how most Singapore banks present a BUC loan. Some packages are interest-only until TOP instead: cheaper during construction, identical afterwards. Ask which one you are being offered.
The stamp duty clock starts the day after the instrument is first executed (s 47), not on the day itself. The booking fee is set by each project’s agreement at “such amount as set out in item 2 of the Fourth Schedule”, not by law.
Housing Developers Rules (Cap. 130, R 1), First Schedule — prescribed Sale and Purchase Agreement, clause 5.1
Read against the version current as at 2026-08-31 · https://sso.agc.gov.sg/SL/HDCLA1965-R1?ProvIds=Sc1-
Percentages and wording are the Rules’; your agreement may carry approved modifications in its Second or Third Schedule.
Stamp duty timing: Stamp Duties Act 1929, ss 42, 43, 46(1) and 47 · read against the version current as at 2026-08-31 · https://sso.agc.gov.sg/Act/SDA1929?ProvIds=P16-
This plans a purchase from figures you typed; it does not value any property and it is not financial advice.