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Hi,

1) The timeline of the purchasing process is illustrated on the HDB website:
https://www.hdb.gov.sg/cs/infoweb/residential/buying-a-flat/new/buying-process/timeline
2) You can see that you have to provide an HLE upon booking, 4 months later you have to submit a letter of offer when signing the agreement for lease.
3) thus don't be surprised you will have to pay full in cash at the point of signing the S&P, about 4~5 yrs before key collection. So document for proving but present the cash.
4) If you do not have sufficient funds in cash, you will have to apply for a loan to make up the difference.
5) Do note that if you want to take advantage of the low-interest rate from the financial institute, there is a minimum sum of $100k, to begin with.

Hope the above answer your main concerns, but if there are more query, please feel free to contact me at 90110636  , or email: ling.ck7@gmail.com if more information is needed.
I'll be glad to assist.

Best regards
Ling CK
 90110636 
ling.ck7@gmail.com
https://R056727F.propnex.net/
https://www.facebook.com/Homesellerbuyer

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