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Evening Abdul,

It's tough to give you a firm answer. If you are selling your 3 room flat in Queenstown estate and moving to Woodlands, there are chance that you do not need to take loan. Otherwise, it will be quite tough.

FYI
Mike Lim
 96929209 
ERA Read More

If you have a lower cov budget,you should consider units with 'Selling' constraints and limitations.
You will have advantage in buying. Engage an agent who can assist and confirm your financial planning.
The S&P process needs careful and confident planning in financial and timeline especially with HDB, CPF, bank and lawyer etc.
Recently my client bought a condo while 'holding on' to a HDB flat and they need the 'funds' for the condo. Hence, they have to

sell their HDB unit.
Please check this site www.catherinepang.com Read More