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Buy · Tool 06
BUC progressive payment
Stage-by-stage own funds, loan draw and accurate construction-period interest.
Decision questionWhat is paid before TOP, and when does financing actually start?
Rules reviewed10 Aug 2026NAVARO method basis
02 · Primary answerPasses entered checks
Construction-period interest
S$19,500Own funds are consumed first. Interest is charged monthly only on the loan amount drawn before TOP.Full loan commitmentS$1,500,000
Peak draw before TOPS$700,000
Own fundsS$500,000
Decision shaperelative scale
NAVARO read
The loan commitment is not fully drawn during construction. Peak pre-TOP draw is 47% of the committed loan.
03 · Calculation trail
See the number being built.
The line items use the same engine as the primary answer. Negative rows are deductions, not hidden adjustments.
01Month 0 · Booking feeS$0
02Month 6 · Sign sale and purchase agreementS$0
03Month 12 · FoundationS$100,000
04Month 18 · Concrete frameworkS$300,000
05Month 24 · Brick and partition wallsS$400,000
06Month 30 · Roofing and ceilingS$500,000
07Month 36 · Doors, windows and servicesS$600,000
08Month 42 · Car park, roads and drainsS$700,000
09Month 48 · Temporary Occupation PermitS$1,200,000