Finally sat down to share. Asked Eugene if he was ok with me putting this up and he said he's OK too. Think we both felt that we didn't have all this info when we needed it so we hope it's useful to others. It's been a real rough patch but I trawled through and survived so if you're in a similar pickle, you'll get by!

Also, as much as the monetary losses are a huge pinch, I understand why the system is built this way and why HDB needed to penalize our change of mind/heart. It's simply adding insult to the injury since the real pains came from the loss of our relationship. Money can and will be earned back eventually.

EDIT: I do want to highlight that our net loss wasn't stated in the video and the info provided is to give a rough idea of the upfront payments required from us upon the surrender of the flat.

I couldn't provide the detailed numbers because we weren't given the exact breakdown of what was interest and what was the grant. I can't recall the exact amount of grants received either because the EHG was calculated after the submission of all the documents and wasn't a whole number given to us at the point of application.
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