I currently own a 5 room HDB flat that is fully paid. The loan was taken with HDB and paid with both my husband and my CPF accounts. We would like to get a private condominium for an investment while still holding on to the HDB. I know that the max loan we can get from the bank is 80%, and we are liable for ABSD since it's our 2nd property. What else do we need to take note of? CPF only allows utilisation of up to 120% of the purchase price, but we have already used an amount to pay for our HDB. Does this matter?