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Afternoon Ahmad,

Being in your current situation, it's very unlikely that bank will loan you for the upgrade. You can approach your OA and get him to give you the approval for the upgrade and appeal to HDB for market rate loan. However, HDB market rate loan is going at 3.8%, if my memory serves me well.

FYI
Mike Lim
 96929209 
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Hi,

Regard to your question. Why not you just drop me an email at ot1984pierre@gmail.com or Contact me @ +65 8 2 7 9 8 3 2 7

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