Thought need to sign S&P within 9 weeks after OTP. If HDB takes 3 months to approve, ain't this contradicting?
developer will not fault or penalize you for not signing the S&P within 9 weeks if the delay comes from HDB.
If HDB never approve, developer also cannot let u sign S&P. Generally, wun go until so long unless need a lot of verification by HDB then it will drag.