Move in ready. Buy at TOP.

Under URA’s home-buyer guidance, the period runs from delivery of vacant possession or the 15th day after receipt of the relevant TOP and infrastructural-completion notice, whichever is earlier. Confirm the applicable notice and terms against your signed sale and purchase agreement.

During the period, the developer is responsible for rectifying defects in the unit, the project, and common property that are reported in writing, at their cost. This covers construction, workmanship, and materials issues. It does not cover normal wear and tear or damage arising from your own renovation. Structural defect claims sit under a separate and much longer limitation framework, so flag anything that appears structural explicitly and in writing rather than filing it as a finishing item.

Under the standard agreement, the developer is expected to rectify within one month of receiving your notification. If they do not, you can obtain a contractor quotation, give written notice of your intention to carry out the works, and claim the cost. Follow the sequence in your own agreement precisely, because skipping the written notice step weakens the claim.

It depends on the project and market conditions at the time. In a rising market, resale units at TOP often trade at or above launch price because buyers pay for certainty: they see the actual unit, can move in immediately, and can begin leasing. In a slower market, motivated sellers occasionally accept lower pricing. Keith can provide a current comparison for any specific project on request. No outcome is guaranteed.

For private condominiums, immediately after TOP, with no minimum occupation period. For Executive Condominiums, the applicable minimum occupation period must be completed first, and renting individual rooms may be subject to further restrictions. Verify the rules for your specific property type before committing to a tenant.

It depends on when you bought, not when the project completed. The holding period runs from your date of acquisition, normally when you exercised the Option to Purchase. Properties bought between 11 March 2017 and 3 July 2025 carry a three year holding period at 12, 8, and 4 percent. Properties bought on or after 4 July 2025 carry a four year holding period at 16, 12, 8, and 4 percent. Many off plan buyers have already cleared most or all of their holding period during construction. Verify your acquisition date against your documents and check IRAS before committing to a timeline.

Yes. Additional Buyer Stamp Duty applies based on your residency status and the number of residential properties you own, regardless of whether the unit is a new launch or a resale at TOP. Singapore Citizens currently pay 20 percent on a second residential property and 30 percent on a third or subsequent one. Permanent Residents, foreigners, and entities are on different rates. Verify current rates with IRAS before any purchase decision.

CPF Ordinary Account funds can generally be used for private residential purchases, subject to CPF usage limits and to rules based on the property's remaining lease relative to the buyer's age. Those rules have changed over time, so check the current position with the CPF Board or a conveyancing lawyer for your specific situation rather than relying on older guidance.

Look for specific, verifiable experience with handovers rather than general sales volume. You want someone who has walked units in your development, knows the common defect patterns there, understands the defect submission process with that developer, and has an active buyer and tenant network for the project. Ask how many units they have handled at TOP in your specific project, and ask for references. Keith has handled 4,379 units across seven projects, and his registration can be verified on the CEA Public Register under CEA R003793E.