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<TABLE border=0 cellSpacing=0 cellPadding=0 width="100%"><TBODY><TR>HDB stand on flat adds to woes after dad's death
</TR><!-- headline one : end --><!-- show image if available --></TBODY></TABLE>
<!-- START OF : div id="storytext"--><!-- more than 4 paragraphs -->AS A single purchaser over the age of 35, I applied for a three-room flat under the HDB Build-To-Order Scheme. The sale and purchase agreement was signed in December 2007.
At the time of application, my father and I formed a family nucleus and qualified for the purchase. Unfortunately, my father, who was a proposed occupant of the flat, died in June this year.
Thereafter, the HDB told me I was no longer eligible for the flat because my father was an essential occupant at the time of my application. It would only refund me the 10 per cent down payment. It was silent on other payments such as stamp fee on option to purchase, stamp fee on mortgage, lawyers' fees, HDB conveyancing fee, and yearly Home Protection Scheme premiums deducted last year and this year.
I was not aware of the so-called Clause 10 of the sale agreement and none of the HDB staff highlighted it to me during the signing of the sale agreement. In addition, at the time of submitting the application, it was not indicated in the form that if either of a two-member family died before collection of keys, the application would be treated as null and void, and all payments, except the 10 per cent down payment, would be forfeited.
The cancellation of my eligibility to own the HDB flat came even as I was trying to overcome my grief over my father's death. And then the law firm wrote to me asking for payment of a penalty or cancellation fee regarding the housing loan.
Tan Lay Choo (Miss)
</TR><!-- headline one : end --><!-- show image if available --></TBODY></TABLE>
<!-- START OF : div id="storytext"--><!-- more than 4 paragraphs -->AS A single purchaser over the age of 35, I applied for a three-room flat under the HDB Build-To-Order Scheme. The sale and purchase agreement was signed in December 2007.
At the time of application, my father and I formed a family nucleus and qualified for the purchase. Unfortunately, my father, who was a proposed occupant of the flat, died in June this year.
Thereafter, the HDB told me I was no longer eligible for the flat because my father was an essential occupant at the time of my application. It would only refund me the 10 per cent down payment. It was silent on other payments such as stamp fee on option to purchase, stamp fee on mortgage, lawyers' fees, HDB conveyancing fee, and yearly Home Protection Scheme premiums deducted last year and this year.
I was not aware of the so-called Clause 10 of the sale agreement and none of the HDB staff highlighted it to me during the signing of the sale agreement. In addition, at the time of submitting the application, it was not indicated in the form that if either of a two-member family died before collection of keys, the application would be treated as null and void, and all payments, except the 10 per cent down payment, would be forfeited.
The cancellation of my eligibility to own the HDB flat came even as I was trying to overcome my grief over my father's death. And then the law firm wrote to me asking for payment of a penalty or cancellation fee regarding the housing loan.
Tan Lay Choo (Miss)
