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While I'm chiming in, hear me out. I utilised the FHOB and concessions and have just moved into the property yesterday after around 10 months since contract exchange. I wasn't supposed to move in until 1 week after the 12 months had expired though.. To get around this, I wrote a letter...

My guess is that you'll get busted if you wait until after 12 months of signing the contract to move in. Just grin n bear it for 6 months and pocket the 30k or so. Buy more property while you're at it.