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Hi! Me and my wife is considering to get a 350k flat.<3br. However our HLE only granted for 145k . We are still short of 200k+. we have not much cpf either as I just started working Not long.
as we do not have much cash saving so we are unable to choose bank loan as bank loan require us to pay 5% in cash.

My question is, is there any other solution, such as , could we take up hdb loan (145k) and loan 200k from local bank?
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