Home › Progressive payment schedule
Progressive payment schedule for new homes in Malaysia (2026): Schedule H and G
Rules checked against official sources on .
Quick answer
When you buy a new home from a developer under the Housing Development Act, you pay in stages as the building goes up: 10% on signing, then set percentages as each stage of construction is completed, 17.5% at vacant possession, and a final 7.5% tied to the title and held back after handover. A strata home must be delivered within 36 months of the agreement and a landed home within 24 months. If the developer is late, it pays 10% a year of the price.
The stages for a strata home (Schedule H)
| Item | Stage | Share of price | Paid so far |
|---|---|---|---|
| 1 | On signing the sale and purchase agreement | 10% | 10% |
| 2(a) | Work below ground level, including the foundation | 10% | 20% |
| 2(b) | Structural framework of the unit | 15% | 35% |
| 2(c) | Walls, with door and window frames in place | 10% | 45% |
| 2(d) | Roofing or ceiling, wiring, plumbing, gas piping, telecom trunking | 10% | 55% |
| 2(e) | Internal and external finishes | 10% | 65% |
| 2(f) | Sewerage works | 5% | 70% |
| 2(g) | Drains | 2.5% | 72.5% |
| 2(h) | Roads | 2.5% | 75% |
| 3 | Vacant possession, with water and electricity ready for connection | 17.5% | 92.5% |
| 4 | On vacant possession, when the transfer document and the strata title are delivered | 2.5% | 95% |
| 5 | Held by the developer's lawyer: half released 8 months after handover, half after 24 months | 5% | 100% |
Each construction-stage payment falls due within 30 days of the developer's written notice that the stage is complete. These percentages took effect on 1 July 2015; an older schedule with different figures for drains, roads and vacant possession is still widely copied.
Key dates the law sets
| Strata home (Schedule H) | Landed home (Schedule G) | |
|---|---|---|
| Delivery of vacant possession | Within 36 months of the agreement | Within 24 months of the agreement |
| Damages for late delivery | 10% a year of the purchase price, counted daily | 10% a year of the purchase price, counted daily |
| Defect liability period | 24 months after vacant possession | 24 months after vacant possession |
| Payment before the agreement is signed | Not allowed; the first payment is the 10% on signing | Not allowed |
The landed-home schedule uses the same percentages. These rules apply to homes sold by a licensed developer under the Housing Development Act; a project outside the Act uses the developer's own agreement, so read its payment and delivery terms before you sign.
What each stage comes to at your price
| Item | Share | Amount | Paid so far |
|---|
Frequently asked questions
How much do I pay when I sign for a new home?
10% of the price on signing the sale and purchase agreement, for a project under the Housing Development Act. The developer may not collect any payment before the agreement is signed.
How long does a developer have to deliver a new home?
36 months from the agreement for a strata home (Schedule H) and 24 months for a landed home (Schedule G).
What happens if the developer delivers late?
It pays damages of 10% a year of the purchase price, counted day by day from the end of the period until you take vacant possession.
How long is the defect liability period?
24 months after vacant possession. The developer must repair defects at its own cost within 30 days of written notice.
How much is due at vacant possession?
17.5% at vacant possession, a further 2.5% when the transfer document and strata title are delivered, and 5% held by the lawyer — half released 8 months after handover and half after 24 months.
Official sources
- Housing Development (Control and Licensing) (Amendment) Regulations 2015, P.U.(A) 106/2015 — Ministry of Housing and Local Government (KPKT) legislation page
- Home buyer's guide (Panduan Pembeli Rumah), 22 April 2021 — National Housing Department
Loan eligibility calculatorProperty glossaryStamp duty, legal fees and RPGTMonthly cost calculator