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Quote:I was forced to take bank loan becos I could not qualify for hdb loan. I just hope in the future, I can somehow convert to hdb loan due to any dire circumstances.
From my own personal experience, sometime when you tried everything and is beyond your ability like example HDB don't want to make an exception just go see your MP if your request is reasonable things can be work out.
Government operates on hierarchy, they may go by the book when dealing with us but within themselves all will work to please their superior because all want to get good reviews as it affects their increment bonuses and merit for any promotion later. And a MP will be higher in rank to any senior civil servant.
All these senior civil servant will want to maintain good relations in the event they end up working under an MP one day. So if the secretary of so and so MP wrote in to HDB to ask for a reasonable favor on behalf of his/her resident .... you get the picture.
Of course if you go see MP and ask for things like a car or million dollar or ask them to pay credit card bill then they may feel insulted and tell you to go fly kite. But usually any issues or problems related to government that you cannot handle you can try to take it to your MP.