Calculations last verified August 2026 against IRAS, MAS and HDB published rates.
What it does. The purchase timeline tool turns an Option to Purchase or booking date into a dated list of milestones and deadlines for a private resale, a new launch or an HDB resale purchase.
How it is worked out. Each milestone is the start date plus a fixed number of days. For a private resale the tool uses 14 days to exercise the OTP, a further 14 days for BSD and ABSD, and completion about 8 to 12 weeks after exercise.
With the default type (private resale) and a start date of 1 November 2026, the tool produces the following dates.
| Item | Value |
|---|---|
| Default inputs | |
| Property type | Private resale |
| OTP date | 1 November 2026 |
| Result | |
| Day 0, 1 Nov 2026 | OTP granted; option fee typically 1% of the price |
| Day 14, 15 Nov 2026 | Deadline to exercise the OTP; exercise fee typically a further 4% |
| Day 28, 29 Nov 2026 | BSD and ABSD payable (deadline) |
| Day 70, 10 Jan 2027 | Completion window opens (about 8 weeks from exercise) |
| Day 98, 7 Feb 2027 | Completion window closes (about 12 weeks from exercise); key collection |
Private resale, new launch (developer sale) and HDB resale. Pick the type and your OTP or booking date to generate the exact dated milestones for that path.
For a private resale you must exercise within 14 days of the OTP date. For an HDB resale the deadline is 21 days.
Buyer's Stamp Duty, and Additional Buyer's Stamp Duty if applicable, is due within 14 days of exercising the OTP on a private resale purchase.
Typical completion is 8 to 12 weeks after exercise, once lawyers complete conveyancing, your loan is disbursed and the balance price is paid, with key collection usually on the same day.
You pay a 5% booking fee, sign the Sale and Purchase Agreement within 3 weeks (bringing total paid to 20% within 8 weeks of booking), then progressive payment stages follow construction milestones, with a further 25% due on TOP (indicatively 3 to 4 years after launch) and the final 15% on CSC (about a year after TOP).
Related tool: HDB to Private Upgrade Cash Flow Planner, your cash position month by month across the overlap.
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Results are estimates for planning only and are not a quote, valuation or loan approval.
The information and insights provided on this page are for informational purposes only and are based on Winfred's independent research and views. While we strive to ensure accuracy and reliability, we do not guarantee the completeness, correctness, or timeliness of the data presented. Real estate investments are subject to various risks, including but not limited to market fluctuations, changes in economic conditions, interest rate volatility, regulatory shifts, liquidity constraints, and unforeseen property specific risks. Past performance is not indicative of future results, and investment outcomes may vary. This page does not constitute investment, financial, or professional advice and should not be relied upon as such. Investors should conduct their own due diligence and seek advice from qualified professionals before making any investment decisions.