Bro, regarding your 5% payment, I think you need to pay as the first billing is out. In the normal case, first 10% is the down payment, the next 10% is the piling and follow by 15% on the structural framework.

SPS will come out the first billing the on the 10% for the piling, the money is either to be paid by the bank or by you. Since you only get 85% loan, I believe your bank only will pay 5% in this first billing and you will need to pay the 5% remaining.

This is the normal case, but if there is some special agreement between the buyers and the developer, then there may have some exceptions.

All the units in SEH including zero bungalow lots are individual title if not mistaken. Differences between individual title and strata title can be found here:

https://forum.lowyat.net/topic/2243325/all

Generally, landed house normally have individual title while condo/apartment will have strata title.

Nevertheless, in these recent years, strata title for landed house start to gain more popularity since the amenities/facilities can be managed easier as the purchasers need to enter to a DMC as those condo/apartment buyers.

While strata title is easier for the RA to manage the community, but the maintenance fees generally are higher than those individual title if not mistaken...