Hello everyone, I have some questions and hope you can help ! Basic information : I will be applying for a singles BTO in the non mature estate next month February 2016 , I am single 35 years old as of this forum post. I have made an appointment with HDB Hub at Toa Payoh next week for my HLE Application Question 1 Can HDB Hub assist me in filling up the HLE application on the same day as my appointment? Question 2 I am required to bring 3 months latest salary information, and 12 months CPF contribution. I have already printed 3 months salary, but I do not have the CPF contribution printed out. Can I log into the CPF website, and click on "PDF" , download it and submit it on the same day as my appointment at the HDB Hub ? Question 3 A 2 room BTO singles HDB should be approximately $100,000. I am leaning towards a HDB loan than a bank loan. However I understand that a HDB loan is 25 years , this is way too long. Is there a shorter term payment ? E.g 5 years or 10 years ? ( the shorter the better ), including a cash upfront about $40,000 to $50,000. I believe this is all, I will ask new questions when it comes to mind. Looking forward to your advise and comments. Thank You GoWiPe