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Afternoon JA,

In order to fully assist you, I would need the following data:

1) How much cash proceed and CPF return you can get upon the sales of your unit?
2) How much cash and CPF do you have at hand?
3) Which estate are you looking at?
4) Would you be in a rush to move into your new unit?

In response to your enquires, here are my suggestions:

1)If you do not have bad credit record and have being employed for more than 6 months within your current company, you should be able to get a bank loan.
2) Enhance contra facility is only applicable for sales and purchase using HDB lawyer. However, when you utilize bank loan, you are required to engage private lawyers to act on your behalf.
3)Many upgraders have went through similar process. Depending on your situation and requirement, I will use different methods to move you towards your intended plan.
4) Bridging loan are applicable if you need to more into your upcoming purchased unit prior to the refund of CPF and cash profit from your sales.

Do feel free to contact me for further discussion.

Regards
Mike Lim
 96929209 
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