Afternoon Wati, All HDB purchase will involve cash component. Firstly, option and exercise component requires $5k cash. Secondly, if you are getting bank loan, you will be required to place 5% downpayment, by cash, based on 80% loan. Thirdly, even if you are using HDB loan, you will be required to top-up by cash if you do not have sufficient CPF OA. The good news is that it's possible to be HDB unit in the North with $0 COV, if you are not particular about unit location, condition and facing. Do feel free to contact me for further discussion. Regards Mike Lim
96929209
m52i@yahoo.com ERA
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