The feeling is a combination of like waiting for PSLE, O level, driving test and toto result. Funny thing is, the HDB loan subsequently will be the heaviest burden any singaporean will take for the rest of their life.
Agreed especially when it comes to CPF, I doubt we can get $$ back when we retired, ppl who might be slightly lucky enough will get to use all the CPF to pay the housing loan for life without extra cash topped up.




