A7 HDB LOAN FIRST, THEN REFINANCE TO PRIVATE BANK LOAN?

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This is a great way if you have little cash on hand.

Taking a HDB loan, you are entitled up to 85% loan versus 75% loan from bank loan

This means a world of different for buyers who do not have so much cash on hands.

But take note you need a minimum of 6 months before you are able to refinance over to private bank loan.

You can read up more here.

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