I'm 2nd time buying too! Sold my flat in Oct 09,and and bought the new one in end Nov 09. When we went to see the flat, the valuation was expiring in a week's time. So we offer 15k flat and owner say ok. Valuation was one of the highest I've seen around Sembawang at that time, maybe because it's on the 14th floor and unblock view...i can see the whole of sembawang! Haha!
I think seller quite desperate to sell off. Initially they insisted on 45k COV no less and I guess no one took the offer. So when the valuation was going to expire, we came just in time. Exercise OTP in Dec.
But, the flooring is not my taste...so will need to change.*faints*