Based on current MAS rulings, you will be able to loan up to 80% if you dont have any outstanding housing loan. But hopefully this ruling doesnt change in 2014.
As for budget wise, its best to talk to bankers to advise you on your approval in principle (AIP) when time comes.
As in the condo pricings in the East might change by the time you are able to purchase in 2014, thus i feel its still too early to comment on it. Its best you leave it towards the end of 2013 and judge.
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