Hi. I am a 36 female PR and in process of citizenship appln fr Singapore . Shared a Hdb 3-rm flat at Amk corner unit with my sibling and has intention to sell . In the event I become a citizen , to buy a resale as an individual , how much do I need for a hdb 3-4 rm? With salary scale of 3k, n 15k cpf, am I able to get a hdb flat as a first timer with a hdb loan?