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Do kindly advice on your Blk, level, unit type and area size. This would allow me to give you a more accurate figure which would also allow you to plan your financial status with accuracy.
You really need to be more specific. COV can range from 20k to 50k. It depends on the exact location of your flat, the type, condition, level, facing, etc.
Without knowing the details, no salesperson can advise you on the COV.
Appreciate you can send me the details. I can then do a check for you.