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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.
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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.
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