In reply to Suria Revi.
Yes, you may be eligible for the staggered downpayment scheme if the SBF flat you’re applying is not completed yet. If you’re taking HDB loan, the first 5% is to be paid during the signing of the Agreement for Lease, while the other 10% is to be paid during the key collection. You can read more about it here: https://www.99.co/singapore/insider/bto-payment-timeline/
https://www.hdb.gov.sg/residential/buying-a-flat/new/schemes-and-grants/staggered-downpayment-scheme
As for PHG, you won’t be eligible for it since it’s only for resale flats.
