(✔1) Use your HDB sale to clear the old loan + boost your funds Sell at $585,000, repay outstanding $180,000 loan → leaves $405,000 (before CPF refunds). CPF used for old flat (≈ your OA amount used) will return to CPF OA and can be reused for the new BTO. This gives you a strong cash/CPF base to pay the $610,000 at key collection. (✔2) Combine your available savings to cover BTO completion payment Your funds: FD $80k + Cash $25k + OA $35k + CPF returned after sale. These sources together should comfortably support the new BTO downpayment/remaining payment schedule. If needed, take a moderate HDB/Bank loan for balance to maintain healthy cashflow. (✔3) Set aside budget for reno + furniture ($70k) Use part cash from the sale proceeds and maintain FD for safety if possible. Alternatively, split reno cost: cash + small reno loan, to avoid draining all liquidity. “The best investment on Earth is earth.” — Louis Glickman WhatsApp me at >>9856 9255 or through this link.:https://wa.me/6598569255. ----------------------------888--------------------------------888--------------------------->>> (1) "If you need more assistance with property matters: like renting / selling, buying / or investing, I'm here to help! WhatsApp me at: ✔✔ABLE Toh (65) 9856*9255 or through this link.:https://wa.me/6598569255 (Unfortunately, this platform doesn't allow direct contact, but you can easily reach me ) (2) (***) ✅✅ You can READ my REVIEWS here: ✅✅ https://www.propertyguru.com.sg/agent/able-s-k-toh-61591. (3) ✅✅ For PRIVATE Home Buyers, I offer solutions for sourcing resale and new PRIVATE homes at ✅✅ ZERO charge (Because Most PRIVATE seller Agent are willing to share commission with Buyer Agent) *** You can reach me at my Singapore mobile: @ +65 9 8 5 6 9 2 5 5 ***(4) ✅ ✅ ✅ DEVELOPER SALES TEAM!!! BEST PRICES !!! ✅ ✅ NO AGENT FEES !! ✅ ✅ LOWEST PRICE GUARANTEED!!! *** ✔✔Connect Singapore Line: ✔✔(65) 9856*9255 FOR : UPDATED INFO / E- BROCHURE / FLOOR PLAN / PRICE LIST!!! NEW Launches Condominium in SINGAPORE :CALL/ WHATSAPP me FOR BEST CHEAPEST, LOWEST PRICE Straight From Developer Sales Team !!!

answer is NO > FROM HDB BELOW: During the MOP of the flat, the flat owner, his/her spouse and occupiers are not allowed to acquire private residential property. This includes exercising the Option to Purchase (OTP) or signing the Sale and Purchase Agreement of the property, >>regardless of whether it is under construction or >>ready for possession. WhatsApp me at >>9856 9255 or through this link.:https://wa.me/6598569255. ----------------------------888--------------------------------888--------------------------->>> (1) "If you need more assistance with property matters: like renting / selling, buying / or investing, I'm here to help! WhatsApp me at: ✔✔ABLE Toh (65) 9856*9255 or through this link.:https://wa.me/6598569255 (Unfortunately, this platform doesn't allow direct contact, but you can easily reach me ) (2) (***) ✅✅ You can READ my REVIEWS here: ✅✅ https://www.propertyguru.com.sg/agent/able-s-k-toh-61591. (3) ✅✅ For PRIVATE Home Buyers, I offer solutions for sourcing resale and new PRIVATE homes at ✅✅ ZERO charge (Because Most PRIVATE seller Agent are willing to share commission with Buyer Agent) *** You can reach me at my Singapore mobile: @ +65 9 8 5 6 9 2 5 5 ***(4) ✅ ✅ ✅ DEVELOPER SALES TEAM!!! BEST PRICES !!! ✅ ✅ NO AGENT FEES !! ✅ ✅ LOWEST PRICE GUARANTEED!!! *** ✔✔Connect Singapore Line: ✔✔(65) 9856*9255 FOR : UPDATED INFO / E- BROCHURE / FLOOR PLAN / PRICE LIST!!! NEW Launches Condominium in SINGAPORE :CALL/ WHATSAPP me FOR BEST CHEAPEST, LOWEST PRICE Straight From Developer Sales Team !!!

The lap pool at >>Signature at Yishun (Executive Condominium) : is 50 metres long, suitable for full-length swimming laps. WhatsApp me at >>9856 9255 or through this link.:https://wa.me/6598569255. ----------------------------888--------------------------------888--------------------------->>> (1) "If you need more assistance with property matters: like renting / selling, buying / or investing, I'm here to help! WhatsApp me at: ✔✔ABLE Toh (65) 9856*9255 or through this link.:https://wa.me/6598569255 (Unfortunately, this platform doesn't allow direct contact, but you can easily reach me ) (2) (***) ✅✅ You can READ my REVIEWS here: ✅✅ https://www.propertyguru.com.sg/agent/able-s-k-toh-61591.