Building Under Construction Digital (BUCD) Platform. Transforming the Ecosystem for New Strata Project Launches
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- Marjorie Atkinson
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1 Building Under Construction Digital (BUCD) Platform Transforming the Ecosystem for New Strata Project Launches
2 The Digital Platform Process Flow: Summary
3 Meeting: PROPERTY: PURCHASE PRICE: STAMP FEE: (CPF/cash) Solicitor-in-attendance: LEGAL COSTS: (Bank s costs contribution: ) CPF: ) Purchaser: ) Date of Option: Date of Exercise of Option: Date of Completion: 95% Name of Purchaser(s) Lumpsum Stamp & legal fees Total Amount % (cash) 4% (cash) Cheque in favour of (stakeholders/not stakeholders) cash : CPF : Housing Loan : Mthly instalment (%) Signed by way of confirmation M eeting: P R O P E R TY : P U R C H AS E P R IC E : S TAM P FEE: (CPF/cash) S olicitor-in-attendance: LEG AL C O S TS : (B ank s costs contribution: ) C P F: ) P urchaser: ) D ate of O ption: D ate of E xercise of O ption: D ate of C om pletion: 95% N am e of P urchaser(s) Lumpsum Stam p & legal fees T o tal A m o unt % (cash) 4% (cash) C heque in favour of (stakeholders/not stakeholders ) cash : C P F : H ousing Loan : M thly instalm ent (% ) Signed by w ay of confirm ation BUC Digital Platform Process: Summary Development Information & Agreements loaded in Platform Buyer puts down 5% deposit, collects Option To Purchase (OTP) Buyer clicks on Elevation Chart Checks Floorplan, Brochure - or sees show flat Buyer selects their unit and gets OTP Buying with cash only? Seeks bank finance Buyer contacts Lawyer Bank acesses platform. Gets KYC Report on Client. Creates Letter of Offer (LO) Lawyer Process Component of BUC Lawyer enters key doc detail (LO and OTP) Missing docs ordered electronically. System Calculator sets ratio of cash, CPF, credit Lawyer meets Client Documents entered Cheque for st payment of OTP Schedule (sec 5.). IRAS cheque: Buyers Stamp Duty ( month after OTP exercise date). IRAS Stamp Duty paid CPF not required? CPF Application Lawyer enters revised payment dispursements.5 Years. Certificate of Stages of Completion, Notifications, Tracking Developer notifications Property Developer's schedule (5.) triggers first payments from notification Over + year timeline: Tracking of Client payments; Notifications and alerts sent and received; Developer payments alerted before due dates. Client & Bank notifications SAL notifications and payments to Vendor driven by Conditions such as: Completion Date; Deductions; CSC issued after Final Payment Date. Final Payment: End Process
4 M eeting: P R O P E R TY : P U R C H AS E P R IC E : S T AM P FEE: (C P F/cash) S olicitor-in-attendance: LEG AL C O S TS : (B ank s costs contribution: ) C P F: ) D ate of O ption: D ate of E xercise of O ption: P urchaser: ) D ate of C om pletion: 95% N am e of Purchaser(s) Lum psum Stam p & legal fees Total A m ount % (cash) 4% (cash) C heque in favour of (stakeholders/not stakeholders) cash : C P F : H ousing Loan : M thly instalm ent (% ) Signed by w ay of confirm ation BUC Process Detail Stage : Digital Platform: BUC Process Detail Digital BUC Platform Platform contains all Information of BUC Units: Documents, Agreements, Completion Schedules, Elevation Chart, Floorplans, Brochure. Buyer selects Condo to purchase in BUC by clicking Unit # on Elevation Chart. Downloads information Buyer / Agent downloads Option To Purchase (OTP) Buyer pays a 5% 'Booking Fee' deposit Developers Solicitors Developer's Architect Banks: Buyer selects bank (DBS, OCBC..) Bank downloads KYC Report from Platform Does Buyer have sufficient cash to buy Condo without Finance? Buyer now contacts Law Firm for purchase Buyer is now a Client of the Law Firm Bank runs their internal Mortgage Calculator. They set the Client's (Borrower's) LTV, Cash & CPF required, Mortgage, Repayments Bank creates the Buyer's Letter of Offer (LO). The Signed LO has Borrowers finance details for the proposed mortgage & purchase of BUC Buyer / Unit Purchaser Client is at Law Firm with OTP and LO from Bank if the Client needs finance Purchaser's Law Firm If Law Firm does not have OTP from Developer's Solicitors, they request it. Law Firm confirms purchase & financial e.g: Bank LO (60%); CPF (0%); Cash (0%) Lawyer prepares 8 documents Buyer signs 8 docs in Law Firm Buyer pays extra 5% (0% total). If not, 75% of 5% refundable to Buyer Lawyer draws cheques:. Stamp Duty for IRAS. Developer Exercise Option + OTP Developer's Law Firm: Sends standard OTP form to our Law Firm Developer's Law Firm receives cheque + Exercise Option (OTP) Approves OTP (stamp chop) and returns to our Lawyer Lawyer fills form on IRAS site sends cheque + form IRAS: receives form + Stamp Duty cheque T using CPF? Using CPF CPF: Approval process
5 BUC Connected Industry Players: Platform Features * Real Time Visibility * Better Market Statistics * Accurate Real Time Data * Competitive Sector * Responsive Supply * Easier Planning * EfficiencyGovernment * Digital docs & Processing * Brochures & Floor Plans * All Requisitions & Plans * Processing Notifications & Payments for Certificate Stages of Completion Developers Consumers * View Project Elevation * Floor Plan of Unit * Brochure & Marketing * Unit Price Benefits * Cheaper Legals * Faster Services * Platform Ownership * Singaporean IP Associations * Digital Process * Agent Tracking * Real Time Data Services * Enhanced Enforcement * Better Training * More Competitive Sector Lawyers BUC Digital Platform Banks Real Estate Agencies * Tablet Interface * Simplicity of Sales * Digital docs & Signing * Real Time Data * Training and Tracking * Agent Rewards * Efficient BUC Payments * Reduced Headcounts * Reduced Time & Costs * Faster Turnarounds * Competitive Services * Digital Process * Efficient Risk Verification * Payment Gateway * Better Real Time Data * Valuation & Data Tools * Labour Efficiency
6 Beneficiaries of the BUC Digital Platform MAS (AML Tech) CPF Solicitors: Developer, Bank and Consumer Management Corporation Strata Title 3 4 Consumers REDAS Developers 0 Digital BUC Platform 3 4 Ministry of National Development BCA, URA Singapore Land Authority 9 5 Banks Controller Of Housings RE Agencies & Sales Persons CEA Valuers
7 Shared & Verified Digital Information & Management on the Platform Developers RE Agents Associations BUC Shared Industry Digital Technology Platform: Industry Players Retrieve, Access, Update, Upload and Correspond with: Developer Information: Brochures; Plans, Elevation Chart; Contracts; Titles; Agreements; Certificates; Progress Payments & Schedule Lawyers: Client Contracts; Bank Correspondence; Payments & Tracking to Developers / Clients Consumers: Access BUC Information; Contracts; Data; Plans Government: Access realtime Construction Supply & Status Data Banks: Correspondence; Valuation & Document / Ownership; Data Associations: Data & Management RE Agents: Information; Contracts; Verification; Form Processing Blockchain Document Update & Verification Management Lawyers Consumers Government Banks
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