Zhiwei has more or less presented to you the financial outlay required for your next purchase should you decide not to clear off your outstanding HDB loan before purchase. One more important issue you will need to consider is the CPF minimum sum required to be retained in your account before utilising the remainder for your next purchase.
In order to know what type of property would be suitable, it also greatly depends on the quantum of loan you are eligible for as we may know your income level but we do not know if you have any fix expenses to be considered for the loan. Thereafter, you may then shortlist unit types accordingly. Let me know if there is any further issues I may be of assistance.
District Manager/Real Estate Consultant
CEA Reg R014783H
ECG Property Pte Ltd (L3009759F)
Dynamic Alliance Group @ www.DAG.com.sg
**Aspiring to be your preferred partner in real estate**