My car agent just called that since there's a rebate of the COE, effectively my loan will need to be re-calculated liao...hahaha...the loan is going south and I will be paying less per month..That's a great news. The bad news is I will be taking my car at a later date due to this issue. Hopefully I can take the car for a spin on dear's birthday...hehehehe...else is next month liao..