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Good morning! If your combined income exceeds the income ceiling of $10k, you won't be able to obtain HDB loan or CPF housing grant. You have to turn to bank for housing loan. I can ask my panel of bankers to advise you on your in principle approval to gauge how much can you obtain. If you are able to obtain a 80% loan, downpayment will be 20% cash as you mentioned you don't have much CPF. You have to take buyer's stamp duty (estimated 3% of purchase price) as well. Your options could be left with resale HDB (which you can purchase anytime when you are back in Singapore) or EC (your partner must at least be a SPR and combined income must be up to $12k), it will take about 3 years to be completed. Hope it helps! If you need any further advice, feel free to get in touch with me. Cheers! Warmest Regards, YT TAN 陈永达 | ACCA Graduate, RES Senior District Manager R043025D ECG Property Pte Ltd (A Wholly Owned Subsidiary of ECG Group of Companies) Estate Agent no. L3009759F Blk 190 Lorong 6 Toa Payoh #05-508 S (310190) (M): +65 9111 5171  (E): yt.lovelyhomes@gmail.com (W): www.yttan.com (W): yttan.stproperty.com.sg/ (W) www.lovelyhomes.com.sg (W) www.ecgproperty.com Read More