Haha exactly. Not suggest, just ask your agent do his job, send in letter to extend the period, attached with your loan application and banker contact.

Is presign spa, just sign 8 pcs of total SPA agreement, that to make sure developer have time to apply hoc as soon as possible. After loan approve, developer will prepare the SPA theb stamping and apply for hoc ,is not before loan approve, already sign SPA . Need to know term in between pre sign and sign SPA,is totally different, this is just a procedure, even after loan rejected, buyer no need to pay any penalty fee