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I am not approved for HDB concessionary loan. Only resort is to get a Bank Loan. My CPF ordinary around 130K, income 3.5K. I have around 20K in debt and repaying constantly without fault, and a car loan of 650/mth. Looking at the COV and 5%deposit in cash nowadays, my dream of securing my own HDB is getting slimer by the days. What is my chances in securing a loan? How do I go about purchasing my own HDB even though I have sufficient CPF and monthly contribution? Appreciate any good advice. Thanks.