What is the EC Progressive Payment Scheme?

The Progressive Payment Scheme allows EC buyers to pay for their property in stages according to the construction progress, making it a common choice for buyers using bank loans.

What is the EC Deferred Payment Scheme?

The Deferred Payment Scheme (DPS) lets buyers pay 20% upfront and defer the remaining 80% until the EC receives TOP. It offers flexibility but typically comes with a higher purchase price.

Who can apply for the Deferred Payment Scheme?

Only buyers who sell their existing HDB flat before TOP can take up the Deferred Payment Scheme for new EC purchases.

Which payment scheme is better for EC buyers?

The Progressive Payment Scheme suits buyers who want lower upfront costs during construction, while the Deferred Payment Scheme benefits those who prefer to delay payments until the EC is ready for occupation.

EC Official Launch 2025 | Price · Floor Plans

Progressive and Deferred Payment Scheme

Understand the Progressive Payment Scheme (PPS) and Deferred Payment Scheme (DPS) for Executive Condominiums (ECs) in Singapore. Learn how each option affects your cash flow, loan disbursement, and payment timeline from booking to TOP. Discover which scheme suits your financial situation — whether you prefer paying gradually as the project is built or deferring major payments until your EC is nearly completed.

Progressive payment

Stage of Construction	% of Purchase Price
Booking of Unit	5% Cash
Upon signing of S&P or within 8-week from the Option Date	15% Cash or CPF
Completion of foundation work	10% of Purchase Price (5% Cash/CPF - 5% Cash/CPF/Loan)
Completion of reinforced concrete framework	10% of Purchase Price (10% Cash/CPF/Loan)
Completion of partitions walls	5% of Purchase Price (5% Cash/CPF/Loan)
Completion of roofing	5% of Purchase Price (5% Cash/CPF/Loan)
Completion of door frames, windows frames, electrical wiring, internal plastering and plumbing	5% of Purchase Price (5% Cash/CPF/Loan)
Completion of car park, drains and roads serving the housing project	5% of Purchase Price (5% Cash/CPF/Loan)
Obtained Temporary Occupation Permit (TOP)	25% of Purchase Price (25% Cash/CPF/Loan)
Obtained Certificate of Statutory Completion (CSC)	15% of Purchase Price (15% Cash/CPF/Loan)

Deferred Payment Scheme

The Deferred Payment Scheme (DPS) allows property buyers to delay most of the payment until the property is fully constructed, providing greater flexibility. It’s often paired with an EC bridging loan for HDB upgraders to ease financing while managing the sale of their existing HDB flat.

Opting for the Deferred Payment Scheme incurs an extra 3–4% on the purchase price.

Stage of Constuction

% of Purchase Price

Booking of Unit

5% Cash

Upon signing of S&P or within 8-week from the Option Date

15% Cash or CPF

Obtained Temporary Occupation Permit (TOP)

65% of Purchase Price
(5% Cash/CPF - 60% Cash/CPF/Loan)

Obtained Certificate of Statutory Completion (CSC)

15% of Purchase Price
(15% Cash/CPF/Loan)

Progressive and Deferred Payment Scheme

Progressive Payment Scheme

Progressive payment

Deferred Payment Scheme

Deferred payment

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