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Hi! Currently I am looking for a resale flat(Single Scheme). But my budget is quite tight and don't have much cash to pay COV. But I also understand I can only know the valuation price after I have apply for OTP, which I will have to forfeit if the COV is too high. Is there somewhere where I can know/estimate the COV price before committing to the OTP(this is another portion where I don't wish to forfeit)? Another questions for the experts here. Now the pricing of the resale flats is super high. Will there be chances that the price will go down? For the agents here, I am not looking for a buyer agent. But if you have a house with zero/low COV, you can leave your contact here. :)