First things first, ask the Developer why the delay in delivery vacant possession. According to your calculations, it's almost 6 months. Under the standard Schedule H HDA agreement, you are entitled for late delivery charges. Question them before you make any payment to them.

I understand the payment under number 1 but number 2? what sort of payment due from the financier that the developer hasn't received? I'm also confused here. The developer's letter asking you to bring along the payment due from the financier and at the same time informing you that the are waiting for your financier to disburse the same payment? So, whose obligation is it now on this payment? You or your financier?

It's standard that the "deemed accepted delivery of vacant possession" clause is found in such letter so there's no point in arguing with that but do take note of your rights while the Defect Liability Period is still active. Go take delivery of vacant possession and then do a thorough check on the property and then file officially your complain lists on the defects.

If there is a delay in the disbursement of the loan, please call up to your branch or your loan officer and check. If the bank delays causing you to suffer late payment interest then you can claim against them BUT you need to confirm which stage is the payment for.

If there is no mention of "working days" then it means normal calendar days.

Don't refer to the stamping date but refer to the date of the Sale and Purchase Agreement.

Whatever it is, there shouldn't be a huge gap between the date of the Sale and Purchase Agreement and the stamping date.

Anyway, for easy computation, we assumed the Sale and Purchase Agreement is dated 6/2013.

Is your agreement, Schedule G or Schedule H. The delivery period under Schedule G is 24 months whereas for Schedule H is 36 months.

Whatever it is, it's better for you to check with the developer first to see what cause the delay. If you raised to them that you want to claim late delivery interest then they may be reluctant to tell you anything.

Let them reply to you first on the cause of delay and then when you obtained their written confirmation on the cause of delay THEN only you raise the claim by citing their reasons.

It's best if you could get them to confirm to you in writing that the delay were attributed to them. Contractors' fault are the developers' fault.

You can raise the claim against the developer at the time you collect the keys.

If possible, get a few purchasers who suffers the same fate as you and then go and make a big hoo-haa at the office. They don't really care if you're the only one making complaints.