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Can some one please enlighten me on the cash involving buying a New EC and a Private condo/resale EC ?

This is what I gather:

New EC : 5% cash - Bank
5% Option Fees - Developer

Private/ resale EC = 5%

If that's the case, why did the govt claim that EC is much affordable for 1st timer who feel that private condo is out from their reach ? Cash involved is much more isn't it ?

Can someone correct me if I'm wrong ? I'm confused. 'cos I'm looking for a property that do not involved too much cash. We can only apply for Bank loan. Thus, buying a HDB flat will therefore incur more cash..5% + COV..

Seems like there's not many choices ...
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