Hi mmoh,
Thanks for your breakdown on the progressive payment. The contract from the ID did stated the same terms but in the end, they pressured my aunt to make full payment before completion. I had advised my aunt against doing so but she still go ahead with the payment as she feels that if she did not make the full payment as required, her renovation might be compromised. In the end, that's what she got - bad workmanship, delay in completion and zero after sales service. I would strongly advice others to find a better and reliable ID so you won't face the same situation as my aunt. Trouble-free is what new flat owners wanted. Not something that add on to your headache.