yup... i've also responded the same in the thread... dunno wat happend to the thread thou..  off course, interest was incurred - because DBS imposes a 3 month notice for full redemption - since the HDB/SLA only served the notice on 17-Jan... DBS calculated interest up to 17-Apr.  DBS lagi solid... directly debit the monthly repayment amount from my DBS account - without even infoming me!  why HDB so long? hmmm... this is when Jack Neo's movie fits in very nicely...