Loan & Affordability
Progressive Payment Schedule Guide: Bukit Jalil New Launches
An educational guide explaining how the progressive payment schedule works for under-construction residential properties in Bukit Jalil.
Quick summary
Quick answer
Best for
Risk level
Buyer action
| Best for | Buyers purchasing under-construction properties in Bukit Jalil who want to understand their upcoming billing stages. |
|---|---|
| Risk level | Low |
| Buyer action | Review Schedule H of your Sale and Purchase Agreement (SPA) to understand the exact payment stages and construction milestones. |
What is the Progressive Payment Schedule?
In Malaysia, buying a property under construction (known as a sell-then-build scheme) does not require paying the full purchase price upfront. Instead, high-rise residential properties governed by Schedule H of the Housing Development Act (HDA) follow a progressive payment schedule. Under this scheme, the developer bills the buyer's financier in stages, which are linked to specific construction milestones certified by an independent architect.
Progressive Payment Stages in Practice
The payment stages typically begin with the signing of the Sale and Purchase Agreement (SPA) and payment of the 10% down payment. Subsequent stages are billed as the structural framework is completed (up to 15%), followed by the walling (up to 10%), roofing (up to 10%), and services plumbing and wiring (up to 10%). For example, for a unit at Residensi Andalan (priced from RM300,000) or Vividz Residence (/projects/the-vividz-residence-bukit-jalil/), the billing amounts will reflect these exact progress percentages as construction advances.
Real Timeline Alignments: Residensi Andalan and Sunway Flora
These billing stages align directly with the project's construction timeline. Sunway Flora Residences (an external project) is scheduled for completion in Q4 2026, meaning its billing stages will accelerate through 2026. Conversely, the freehold Residensi Andalan, which is a developer Chin Hin project consisting of 823 units, is scheduled to complete in 2028. Buyers of Residensi Andalan will see their billing spread over a longer 3-to-4-year horizon, allowing for more gradual interest servicing.
Managing Financing Interest During Construction
A key benefit of progressive billing is that buyers only pay progressive interest to the bank based on the amount released to the developer, not the full loan sum. If the bank has only released 20% of the loan for foundation and structure, the buyer's monthly installment will only be calculated based on that 20% portion. This progressive interest starts low and rises gradually, providing buyers with extra cash flow breathing room to handle rental expenses or other financial commitments before taking vacant possession.
Buyer checklist
The progressive payment schedule under Schedule H links billing to real construction milestones, helping buyers manage cash flow for new-launches.
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| 1 | Study Schedule H of your SPA to memorize the progressive payment billing milestones. |
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| 2 | Check the construction timeline (Sunway Flora Q4 2026 completion vs Residensi Andalan 2028). |
| 3 | Ensure your bank releases funds within the grace period to avoid developer interest charges. |
| 4 | Set aside cash to handle the initial progressive interest charges from your mortgage lender. |
| 5 | Monitor the construction progress of your Bukit Jalil project through regular site updates. |
Common questions
What is progressive interest during property construction?
Progressive interest is the interest charged by the bank only on the portions of the loan that have been disbursed to the developer, rather than the entire approved loan principal.
Can a developer charge late payment interest if bank disbursement is delayed?
Yes, developers can charge late payment interest (usually 10% per annum on the billed amount) if the bank fails to disburse within the standard 21-to-30-day grace period.
How does the progressive schedule apply to Residensi Andalan?
For Residensi Andalan, because it is under construction and completes in 2028, your bank will pay developer Chin Hin in stages according to HDA Schedule H, and you will service progressive interest until 2028.
Lewis Chong
REN 69566 · IQI GlobalProperty advisor helping KL, JB, and Penang buyers make data-backed property decisions.
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Study Schedule H of your SPA to memorize the progressive payment billing milestones.
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Check the construction timeline (Sunway Flora Q4 2026 completion vs Residensi Andalan 2028).
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Ensure your bank releases funds within the grace period to avoid developer interest charges.
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Set aside cash to handle the initial progressive interest charges from your mortgage lender.