10 Answers

Temporary Occupation Permit(TOP) is a temporary permit to allow owner to occupy the building when the key regulatory requirements are met as it may take some time to obtain the Certificate of Statutory Completion(CSC). However, application may be made directly for a CSC when all the requirements have been complied with. Read More

TOP means the date you get your keys to your unit and can move in.


Richard Wan
Black Diamond Real Estate
 94363793  Read More
Mani Subramanian Veeramani

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Dear All,

Temporary Occupation Permit (TOP) is a temporary permit issued by the authorities to allow owners to occupy the building. This permit is only issued upon key regulatory requirements for the development are met and approved by the authorities.

However, the development still need to obtain Certificate of Statutory Completion (CSC) in order to be cleared completely by authorities.

Upon TOP, Owner’s Mortgage loan will be payable at the TOP stage (85% of the loan) only. This mean lower monthly instalments till CSC is cleared (Full 15% amount to the developer by the bank).

Do note that there are cases that the CSC is issued together with the TOP.

Hope the above address to your concern, but if there are more queries, please feel free to call/WhatsApp me at 9366 1846  , or email: shawnkhooch@gmail.com if more information is needed.

I’m obliged to assist your needs.

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Shawn Khoo
PNG Propnex
BA Design (Hons), DIP Architecture

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TOP = Temporary Occupation Permit.

This is one of two official key checkpoints for the completion of building.
The other and subsequent check point being the CSC = Certificate of Statutory Completion.

The TOP signifies that the building is certified as safe and meets the codes for humans to occupy it, to live in it.

These 2 checkpoints are used as clear and convenient markers in the progress of payments and the progress of ownership transfer.

Feel free to contact me if you have more questions.


Daniel Ho
OrangeTee Real Estate
 93868788  Read More
Temporary Occupation Permit.
Means you can move in to your unit while waiting for actual completion..

- Hakim
 9144 9841  Read More
"TOP" stands for "Temporary Occupation Permit." It is a permit issued by the Building and Construction Authority (BCA) of Singapore, allowing owners to occupy the building temporarily. This means that the building is deemed safe for occupation, even though it might not have received its Certificate of Statutory Completion (CSC).

Receiving the TOP is a significant milestone for new developments, as it indicates that the units can be handed over to buyers for occupation. However, it's worth noting that while residents can move in once the TOP is issued, there might still be some minor construction or rectification works ongoing in the development.

Happy to share more insights over text or a cup of coffee!

Nickson Guay
 8761 5818 
Propnex Realty Read More
Jay Lim 林俊哲
More than a decade ago when this question was asked, artificial intelligence was still in its infant stage. Today, we have software like ChatGPT to help us with such queries. Here’s one response from AI for the books:

“TOP is an official document issued by the Building and Construction Authority (BCA) of Singapore. It signifies that a construction project, such as a residential or commercial building, has been completed in accordance with approved building plans and has passed the necessary safety and regulatory inspections. When a property or building receives its TOP, it indicates that it is safe and legally ready for occupancy.”

On top of this, couple of other interesting things to note (written by myself):
- TOP is not the final step to building completion. The final step is Certificate of Statutory Completion (CSC), which certifies that the building has met all regulatory requirements set out by governmental agencies such as PUB, LTA, SCDF, to name a few.

- For homebuyers under Progressive Payment Scheme, upon TOP and before CSC, their mortgage payments will be based on 85% on the purchased price, rather than the full 100%. Hence you enjoy a lower monthly mortgage before CSC is obtained.

- Developments tend to TOP earlier than their slated date by developers (although not always). As the builders are required to complete building by then or they are likely penalised to pay liquidated damages to various parties. Hence TOP date is set with a slight buffer for delays in construction or unforeseen situation such as Covid pandemic.

The property market is more dynamic than a question like this. With multiple layers of research, legalities, marketing & negotiations to address to, having an agent like me (hahaha) can help reduce your stress and navigate this harsh landscape much better. Not to forget the human touch I give throughout your entire property journey (:

Jay Lim
 +65 8885 6761 
w: jaylimrealty.com | themindful.space Read More