Hi Anand,
I believe you are talking about HDB in your case, this will depend on whether it is a HDB loan or Private Bank loan.
For HDB loan, if you already get the HLE, you can exercise the option on the same day. Whereas for Private bank loan, the bank will need a copy of your OTP before granting you the bank loan offer letter, only when you receive the Letter Of Offer from bank then you can exercise your option.
Please feel free to drop me an email or call me directly for further discussion.
Thanks & Best Regards
J.A.Goh - ERA
HP:
9639 0350
www.gohjaERA.myweb.sg
Email: gohja@singnet.com.sg
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