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Morning Mr. Tan,

If you do not have any intention of getting married and moving near to parents, by all means, utilize the housing grant provided. This amount will help you reduce the mortgage loan and monthly installment amount.
But if you do intend to get married and move near parents, you will be losing out on around $5k grant. It's not a big amount but it's only wise that you are informed on the difference.

Do feel free to contact me for further discussion.

Regards
Mike Lim
 96929209 
m52i@yahoo.com
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