Went HDB today, and wrote a cheque to redeem the loan. Probably should have done this earlier, given the interest rate HDB charges is higher than market rate. [Well, i can probably refinance at a cheaper rate too, but then at this point in time, i think being clear of a housing loan probably works better for me]
Gotten the flat in Sept 2007, and gotten it free and clear in December 2015.
8 years 3 months.
Even though bank account feels slightly emptier, but it's still a good feeling overall!