I also apply AHG after i booked the flat, on that day,the HDB officer told me in order to receive the AHG, i have to shown them the marriage cert on the 2nd appointment / taking over keys. They already stressed that the AHG will not granted within 3 months after taking the key.
I heard that AHG is subject to approval, not really that easy to get the "free" money from our government.Beside that, apply AHG will also drag a bit of processing time and may delay on taking over the key....maybe those who recieve the key soon will be able to answer this question, do they applying AHG.
lastly, i also find it really funny that someone want to ROM by year end 2008 ,yet also told by HDB officer to go ahead on applying AHG.