Mooooooooorning all.
HG > if you are asking about HLE application, you need to make the application on the HDB website, print out the form and submit with the documents. If you make any mistakes on the form, make the corrections on the printed copy. Its only after you have your HLE letter, that you can (legally) place an option/exercise the option to purchase a flat.
Remember to make you agent work for you. Sometimes, the agent tell u that the seller will only sell for $XXk above valuation, especially if its the seller's agent.If you are a direct buyer (not using an agent to talk to the sellers agent), tell him to negotiate for you, or tell him that you meet the seller price but slash his commission to 0.5% or something. After all you are paying him commission too. If he don't negotiate for you, then dun pay him so much.