top of page

Understanding Temporary Occupation Permit (TOP) for HDB Flats and Condos: A Comprehensive Guide for

Updated: Jan 24

Do you want to move into your new home but don't know what a Temporary Occupation Permit (TOP) is? Don't worry, we've got your back! In this article, we'll define a TOP and explain why it's important for property owners buying new launch condo singapore.

A TOP is essentially a permit issued by the Building Construction Authority (BCA) that allows people to move into a property before all of the amenities are finished. It confirms that the development has been inspected and is safe to live in, even if some amenities, such as the swimming pool or playground, have yet to be completed.

You can check the BCA TOP portal to see if a TOP has been issued for your property. When you apply for a TOP, you may have to wait up to four weeks. The good news is that there is nothing you can do to hasten the process!

So, while you're waiting for your TOP, start planning your move and settling into your new home. If you're thinking about buying a home, a TOP project might be the best option for you.

But what if you purchase a property that is still under construction? You won't be able to move in until the developer receives a Temporary Occupation Permit (TOP), also known as a Certificate of Statutory Completion (CSC). We'll explain the distinction between the two and what it means for you as a property owner in this article.

So, what exactly is a Temporary Occupancy Permit? It basically allows you to move into a development before all of the amenities are finished. For example, a condominium's living space may be finished, but the swimming pool and playground may still require work. With a TOP, you can pick up your keys and move in or rent out your unit without having to wait for the project to be completed, which could take several years.

It's important to understand the distinction between a Temporary Occupation Permit and a Certificate of Statutory Completion. While the TOP is primarily issued for living areas, the CSC certifies that all aspects of the development have been completed. The CSC is required for residency in a completed building, but the TOP is optional. When the development is finished and the CSC is being obtained, the developer can apply for a TOP.

So, what are the advantages of purchasing a singapore new launch condo

that hits the TOP timeline? To begin with, you're purchasing a property that has already been completed or is nearing completion, so you won't have to wait for a newly launched project to finish. Unlike newly launched projects, where you must rely on a floor plan, you'll also get a good sense of what the unit will look like. You won't have to worry about wear and tear because the property is brand new. You can also rent out your property right away if that's what you want.

It is important to note, however, that purchasing a TOP property entails paying the full condo price up front. There is no Progressive Payment Scheme, unlike a newly launched property that has not yet received its TOP.

If you want to know how to check the TOP date of a condo or HDB flat, go to the BCA TOP portal. It can take up to four weeks for a development to receive a TOP. However, there is nothing you can do to accelerate the process.

So, take advantage of the opportunity to plan your move and shop for any necessities you may have overlooked.


We understand that financial planning can be a daunting task, and we're here to simplify it for you speak with us.

If you have a plan in mind but not sure if it works well – do share with us or let us know.

We will do our best to assist you to make sure you look at your plan from multiple angles and ensure you have a very clear picture on what’s going on.

64 views0 comments


bottom of page