nana. Lol. No prob. Ok to share la. Actually, i cried just now. Lol! Super sad. In the sense, this is the second time and the same prob with hdb loan! Really going to burn down their building. I don understand y they wan to make us so difficult. Me and nick never talk the whole afternoon after i put down the phone with u. Anyway, i spoke to qq re the loan also, she explain, i think i still got hope. Tell u, if manage to loan 200k, no need to waste time, go find bigger flats. Nick said he don wan reno already. ( i really wan to kill him, keep changing his mind!) if loan less, no choice, u have to work harder. Lol. I own u a meal.