试答一下，说实话新EC没做过
1.是的
2.买BTO或者resale，公民拿HDB贷款最高90%，反正拿HDB贷款要先做HLE的，所以买房前先去做HLE，问HDB最保险。很多情况HDB只接受屋主的询问。买EC就不用考虑了，不给拿HDB贷款。拿HDB贷款考虑的不是loan ceiling,那个反正HDB说了算。要考虑salary ceiling，能不能申请HDB贷款。
参见最后一句：https://www.hdb.gov.sg/fi10/fi10321p.nsf/w/BuyingNewFlatPlanningYourFinances?OpenDocument
Housing Loan (if required)
You can choose to obtain an HDB loan or a bank loan to assist you in financing your purchase if required.
If your average gross monthly household income is more than $8,000 a month and buying a DBSS flat from DBSS projects launched for public sale after 30 Aug 2010 onwards, you will have to apply for a housing loan from banks.
For the purchase of EC, you need to obtain a bank loan.
3.EC首付的问题参考以上同一个网址
4.买EC看你要买在哪里，预算多少，什么时候入住再选房子。
5.TOP：Temporary Occupation Permit,房子建好可以入住了，期房的话后面还有9到12个月的warranty period,房子有任何问题由开发商保修，过了这几个月买房的尾款才会过户给开发商。
legal completion date: 买房手续办完的时间
key collection date:针对不同的房子有不同的解释。
这仨的定义和key collection date的不同解释请参考：https://www.hdb.gov.sg/fi10/fi10321p.nsf/w/BuyingNewFlatEC?OpenDocument