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Dear Guru,

I've got a situation here and hope u can give some sound advise.

I'm considering how I can help my mother and younger brother to apply for a HDB apartment directly, both being first time applicants. My mother (unemployed)is in her late 70's and my younger brother(special aid needs) is in his early 50's.

I being the eldest in the family would like to know how I can assist them in purchasing a HDB.

I do not qualify for direct purchase from HDB as I have already exercise my options twice.

Please advise. Thank you.
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