I thought thess changes may be important to some people here in case you miss out on the papers.

Second-Timers Buying a New EC

4 To align the purchase of new ECs with the Design, Build and Sell Scheme (DBSS), second-timers buying a new EC unit from the developer will no longer have to pay the resale levy. The revised policy will take effect for the purchase of new EC units commencing from Punggol E4.

First-Timer EC Buyers Allowed to Buy a Second Subsidized Flat

5 A first-timer who buys a new EC will be allowed to purchase a second new EC, HDB or DBSS flat, subject to prevailing eligibility conditions. However, as ECs are considered private housing, ex-EC owners will have to wait 30 months following the disposal of their ECs, before they can apply to purchase a new EC, HDB or DBSS flat. There is no debarment period if ex-EC owners choose to buy a resale flat. Under prevailing policy, first-timers who purchased new EC units from developers are permanently debarred from subsequently buying another new EC, HDB or DBSS flat. HDB will lift the permanent debarment policy with immediate effect.

6 Like all second-timers, an EC owner who had enjoyed a CPF housing grant when he purchased his EC will be required to pay a resale levy if his second flat is a new HDB flat. As new HDB flats are sold at subsidized prices, the objective of the resale levy is to reduce the subsidy enjoyed by the second-timer on his second subsidized flat. The resale levy is fixed at $55,000 for ex-EC owners, and payable when booking the new HDB flat. The levy is not payable if the EC owner opts to buy a new EC or DBSS flat, as they will be paying market prices as determined by the developer.

You might need to read this if you want to engage any contractor for the flat..... http://www.hdb.gov.sg/fi10/fi10223p.nsf/w/RenoCircular20142702?

We need to sign this acknowledge form too. http://www.hdb.gov.sg/fi10/fi10297p.nsf/ImageView/AcknowledgementForm/$file/Acknowledgement+Form.pdf

The hdb is getting so much complicated. Headache man. So many rules.

of course following so many procedures gets much complicated

There are so many term and condition full fill to verify your loan. this is very long term process.

of course following so many procedures gets much complicated

Yes, It's so complicated procedure.