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Hi,

I bought an EC two years ago in December 2012 (OTP completed) and did not take a bank loan then.

If I were to get a bank loan now, will it be subjected to the regulations implemented thereafter, such as the MSR 30% and TDSR 60%?

Can I appeal for it to be treated like an exemption for refinancing cases.

Where can I officially check/appeal to, MAS, HDB or ?

Thanks much!

regards,
Lynn
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