So things were going well, and you thought you met “the one”. Or perhaps they were going well before the pandemic struck, and now you’re not so sure you can commit to a home loan. There’s probably a lot of people happy to take the BTO flat you applied for – but that doesn’t mean you’ll get off easy.  You could say HDB doesn’t take rejection well: there could be some painful forfeits involved when you cancel your flat application; and here’s what you should be prepared for: For this article, we spoke to an actual person who cancelled his BTO flat application; and at a late stage in the process too.  James (not his real name) initially applied for a flat with his then-partner. He even had to apply twice to secure the first flat: “My ex-girlfriend and I dated for three years. Naturally after being steady together for that amount of ...