1. HDB Notification Email for Key Collection Appointment
On May 8th, we finally got the HDB notification that our keys were ready to be collected in the following week. The day we had been waiting for in the past 4 years. I decided to pen this post so that I can document the process for the benefit of those who are still waiting on the keys to their abode. Please note that the account below is based on my memory of our experience.
So we promptly took 2 days of leave for our appointment day and the next so we would have time to do our defect checking. In hindsight, we should have taken 3 days especially since our key collection appointment was in the afternoon. I will be writing a separate post on the defect checking portion as well as the renovation journey insyaAllah.
On the day of our key collection, we planned our time so that we would arrive a good 2 hours before our appointment slot. This way we would be able to have a nice lunch at the halal food court of the Courts building just opposite of the HDB building. The ban mian there is sooo gooood!
2. Collecting Queue Number
Once we were done with lunch, we went and got our queue number at one of their Q-Ticket Kiosks even though it was still over an hour from our allotted time slot. We’d read that if you come earlier, there’s a good chance you’ll get served earlier. And we were right! We were served 45 minutes ahead of the scheduled slot.
When our number was up (can you spot it??) I quickly snapped a photo of the screen to capture the moment and off the two of us went! Once inside, we were surprised to find that an entire aisle of cubicles laid empty. Maybe that’s why HDB can be so excruciatingly slow sometimes! Like the almost 2 month wait between the release of keys for my block and that of the previous block.
3. Verification of ICs, Marriage Certificate, Fire Insurance Certificate, & Updating of Income
Aniwae, we were first asked to present 4 identification cards for verification i.e. our ICs plus those of his parents since we had applied for the Proximity Housing Grant. After which, we were asked to present our original marriage certificate as well as the Fire Insurance Certificate for photocopy. Since we did not print out the Fire Insurance Certificate (which we had applied for online a few days prior), our HDB officer simply gave us her email address so that we could email her the PDF copy and she could print it for us.
After which, it was just a whole lot of paper work for us to verify and sign off on. One of the first things was to sign a form to update our marital status. Following that we were asked if there were any changes to our income (including allowance).
4. HDB Loan Tenure Period
After the initial updating of records, we were asked to decide on a loan tenure period. Luckily the husband and I had briefly discussed this months earlier after doing our research. We decided to go with the longest tenure period i.e. 25 years. We figured that we can always refinance if ada rezeki. Even then, we are still undecided if it’s worth it to settle the loan earlier. What’s important to us is that we would be able to finance the monthly mortgage installments payments even if one of us were to stop working for whatever reason. Like they say, hope for the best, prepare for the worst.
5. HDB Loan Monthly Installment Repayment Plan
After deciding our on our loan tenure amount, we were asked to define how we would split our CPF payment. We decided to go with a split that corresponds to our individual salaries. Thankfully, the HDB officer had records of our last 2 CPF contributions so that we could be assured that each of our CPF contributions were more than sufficient to cover our share of the split.
6. Signing into myHDB page to Apply for CPF Payment for HDB Loan + HPS
This is the moment where you basically sign away every dollar of your CPF Ordinary Account. This is the part where $100k-$200k or so vanished into thin air for us all.
You each will be asked to sign into the myHDB page on their computer. For this you will need your 2FA device with you i.e. your mobile phone or OneKey token. On the last page, there are 3 medical history questions that you would need to answer. If you answer yes to any of these questions it seems that you can expect HDB to call you up soon to ask for more information:
a. Have you ever been diagnosed or treated for cancer, tumour, high blood pressure, diabetes, heart disorder, stroke, asthma, fits, depression, hepatitis, HIV, drug or alcohol addictions, disease or disorder of the brain, bone, muscle, spine, kidney, blood, liver, thyroid, or lung, or any other ailment, disorder, physical or mental impairment not mentioned here?
b. Have you undergone any surgery, treatment, or had any medical test or investigation carried out in the past 5 years?
c. Are you intending to go for medical consultation, surgery, treatment, medical test or investigation in the next 1 year?
7. Signing of Official Documents
Lastly you will be asked to sign the Sales Order, Renovation Guide, Deed of Assignment, and Certificate of Assurance. You will also be given a document called About your HDB Flat and Town Council which holds information on rectification works, property management, address of the town council your estate is under, and the annual ground rent. Yes your BTO is technically a RENTAL on a 99-year lease hence there has to be a rental fee which HDB has so kindly waived since it is just a token sum of $1. Even then, there is a clause stating that HDB can choose to collect rent at any time.
8. Handover of Copies of Official Documents
You will then wait for your HDB officer to make copies of the documents (that’s her in the back!) which will then be presented to you in a plastic file folder. I recommend bringing your own hard plastic file since the folder they provide is rather flimsy and your documents can easily fall out if you don’t hold it properly. I brought my trusty secondary school file to keep my documents safe and crisp (:
Along with all of the documents you have signed, you will also be provided with a document called Warm Welcome which will hold information on your estate’s BSC (Building Services Centre), as well as the GIRO application form for the Town Council Service & Conservancy Charges. Plus a fabric tote to carry it all in.
8. Handover of Keys
Finally, you are handed the keys to your house! This is the moment you have been waiting for! 3 keys for each room + main door, main gate, and letter box. All neatly stored in a key case. Sign on the acknowledgement of receipt and you are done! Almost.
9. Payment of S&CC @ Level 3
You will then need to head up to the payment counter at level 3 to make payment for the first month of the Service & Conservancy Charges (S&CC) which HDB is collecting on behalf of your Town Council. This amount was $61.50 for us. Payment is by NETS. You need the receipt from the payment to open your SPower Account.
10. Opening of SPower Account @ Level 2
Your last stop for the day will be at the SPGroup office at level 2. We were told that water and electricity had already been activated for our unit in anticipation of our key collection. However, this visit is still necessary to open your account with them for your new flat.
You will be given the choice of paying via GIRO or AXS etc. If you choose GIRO, your deposit fee will be $70. If you choose not to take up GIRO, your deposit fee will be $100. We went with the latter because we figured it’d be easier to dispute a bill instead of trying to claim for a reimbursement. But then again, they can choose to cut our power if we don’t pay up first right? In any case, the SPGroup GIRO form can be collected at that office itself or simply downloaded online.
You are done! Head back down to the ground floor proudly toting the key case for all those in the waiting area to see (:
Hope this helps.
~dah habis dah crite saya~