I am presently owning mordgaged Condo and looking for refinancing. Additionally, I am eligibal for additional loan and I want to purchase residential/commercial freehold property. I presently have 60K as savings and expecting to add up 60K in next 6/8months. Since presen not enough for 20% down payment, Can I book futured property which expected to be TOP in 2013/2014/2015.I am looking for futured freehold condo 2BHK/3BHK and presently for investement and later after 5years for own stay. Location should be,near city,appreciable/high rental yield and near MRT. Pls suggest.