Hi I just read about someone asking a question about new flat keys and payment. I am in almost in the same situation problem is I have a 4 room flat now and it is under mortgage loan, I have got a appointment to select a new flat next year in February. But according to the HDB rules if I hold the flat and select my new flat I have to pay the 20% downpayment in Cash and CPF.Which I dont have in my acct now. I will only have funds when I sell my flat.My new flat will only be ready in 2015.I am a second time new flat buyer. Please advise. Thank You.