no lah wun loo kee de ,cause it by balloting ,all depend on your luck,and if u are first timer and living close to your parents or in law,u will stand higher chance.if u gt a queue num,2nd appointment think u have to pay 10 percent downpayment from cpf liao.u can use your hubby cpf first,that was what i intending to do.but for yr mum.does she had enough cpf to cover the 10 percent downpayment?this is what i know,better confirm with hdb safer.