Buying a HDB flat should not be difficult: the regulations, procedures and dateline can all be found on the website. So we went ahead without any agent representation. What could go wrong? Seller, Agent Delayed Filling We placed our deposit immediately after viewing the unit. We liked the layout, the distance from MRT and the condition of the flat. The ERA team of husband and wife seemed amicable: we exchanged information about our children, complained about school systems and other parental affairs before discussion the timeline of the transaction. It was early August. We should be able to complete the transaction by October, they said. The owner would like to request 2-3 weeks extension for time to move into his other HDB. Ah, no problem, our son will be having his A-levels and we don't intend to do anything in November. All of us were happy, hands were shaken and cheque presented. Why No Filling? A week later, we eagerly put in the options fee, filled up an onl