pls correct me if l'm wrong.
If HDB is acting for u, then u hv to be present.
If yr lawyer is acting for u, then the law firm's rep will be there to attend 2nd appt, u dun hv to be there.
Hi, if i'm not wrong, after buyer paid for the deposit, they can either exercise the OTP on the spot and submit to HDB, or hv a grace period of 14 days to exercise the OTP. If OTP is not exercise within 14 days.. dep will be forfeit.