Progressive Payment Schedule for RUMAWIP & Rumah Selangor Projects (Malaysia)

If you’re buying a home under the RUMAWIP or Rumah Selangor affordable housing schemes, it’s important to understand how your payments will be made. These projects are usually under construction, and payments are made progressively according to the construction stages — not all at once.

This system is known as the progressive payment schedule, and it helps buyers manage their finances better, especially for first-time homebuyers.

What is a Progressive Payment Schedule?

A progressive payment system means you only pay (or your bank only disburses) when each stage of the property construction is completed. This structure is regulated under the Housing Development (Control and Licensing) Act 1966 (HDA) to protect homebuyers from paying in advance before actual work is done.

💰 Typical Progressive Payment Breakdown (HDA – Rumah Selangor / RUMAWIP)

Here is the standard payment schedule:

Construction Stage	Payment (%)
Upon signing Sale & Purchase Agreement (SPA)	10%
Completion of foundation work	10%
Completion of reinforced concrete framework	15%
Completion of walls (brick & partitioning)	10%
Completion of roofing / floor slab (for apartments)	10%
Completion of door & window frames	5%
Completion of plumbing & electrical wiring	10%
Completion of internal & external plastering	10%
Completion of sewerage, drains & road	5%
Completion of external works (driveway, fencing, etc.)	5%
Vacant Possession (VP) – key handover	12.5%
Issuance of strata/individual title + transfer	2.5%

✅ Total = 100%

Using a Housing Loan? Here’s What Happens:

If you're taking a housing loan, your bank will pay the developer based on this schedule. You’ll only start paying interest based on the amount already released (known as progressive interest).

For example:

• If only 30% of the construction is complete, your monthly interest is calculated based on just 30% of your total loan.

• You’ll only start full loan repayment (installment + interest) after vacant possession.

Why It’s Good for Buyers

• You don’t need to fork out the full amount upfront.

• Payments follow real construction progress.

• You’re protected under HDA — the developer must complete each stage before asking for payment.

• If construction is delayed, your payments are also delayed.

Good to Know (for RUMAWIP & Rumah Selangor)

• Booking fees are capped (usually RM500–RM1,000).

• SPA must be signed within 21 working days from booking.

• Developers usually submit claims to your bank — no manual work for you.

• You still need to pay legal fees, stamp duty, and MOT (if not waived under current government policies).

Planning to Buy an Affordable Home?

If you're considering buying a RUMAWIP or Rumah Selangor unit, understanding the progressive payment schedule helps you plan your finances better — from loan approval to key collection.

Feel free to reach out if you need help applying, choosing a project, or understanding loan eligibility.

🔍 Looking for RUMAWIP or Rumah Selangor Projects in Klang Valley?

If you're planning to own your first home or upgrade affordably, there are still many RUMAWIP and Rumah Selangor units available across Klang Valley, including areas like Cheras, Setapak, Gombak, Shah Alam, Kajang, and more.

🏘️ We constantly update our listings with:

• ✅ Ongoing projects that are still open for booking

• 🚧 Upcoming launches so you can register early

• 💡 Insider info on units with low entry cost or special rebates]

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👉 Click here to view available units now https://www.residensiwilayahpersekutuan.com/ Or chat with us directly on WhatsApp 010-265 2088 for project recommendation based on your income & location.

📍 Whether you're buying for own stay or planning ahead, we’re here to guide you step by step — from project selection, loan application, to key collection.