Property Purchase Timeline

Pick your property type and your OTP (or booking) date, and see every dated milestone from option to keys, so nothing catches you out with a deadline.
Quick answer: This tool maps every dated milestone for a Singapore property purchase, private resale, new launch or HDB resale, from OTP or booking to key collection. It flags exercise deadlines (14 days private, 21 days HDB), Buyer's Stamp Duty due dates, and the progressive payment stages for new launches through to TOP and CSC.

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Calculations last verified August 2026 against IRAS, MAS and HDB published rates.

Frequently asked questions

What property purchase types does this timeline tool cover?

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.

How long do I have to exercise the OTP after receiving it?

For a private resale you must exercise within 14 days of the OTP date. For an HDB resale the deadline is 21 days.

When is Buyer's Stamp Duty due after exercising the OTP?

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.

How long does completion typically take for a private resale?

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.

How does the new launch payment schedule work?

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).

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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.