Thanks for all the reply. Well juz to share, I draw a fixed income while my wife is on commision base. During our HLE application, I submitted our Letter of Assessment (A total of abt 120K, including bonuses). However, HDB requested my wife to submit her 12 months payslip. Guesed that resulted the failure of our application. The reply from HBD was, our combine ceiling was $8800. Anyway, we had since taken a loan from the banks. Next step is our 1st appointment in end of Nov.