是啊
我的中介当初跟我讲,贷款没办下来之前是不可以执行OTP的
否则如果HDB追究起来,所有人都得中枪
The key point is...
The house is at first not eligible to be sold. So even you and the seller submitted the contract to HDB, the contract will be cancelled and void.
What you can do: The seller's agent is responsible for this you probably could sue the agent for mis-representation. Even your representing agent should be responsible for that. You can check with any property lawyers for the details. You can surely get back more than what you have paid to the seller.