You cannot withdraw the down payment or retainer required from the ASP account before the sale is closed, but you may use other own funds for payment. The portion paid before the sale is closed reduces the amount of the final loan, because you are not eligible for a loan for this portion. Neither can the portion paid before the sale is closed be calculated into the 10 per cent required savings. There can only be one date of conclusion of sale: the date on which the bill of sale is signed. In terms of ASP loans, there are no such things as an “initial sale” and a “final sale.” The sale price can be paid to the seller in several instalments, but there is still going to be one date of conclusion of sale, and it is usually when the first instalment is transferred to the seller.