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I have a hdb which is 2 years old. The loan for the hdb would be fully paid in 2013. I am looking for a private condo which would top in 2015. However, I have some queries below:

1) Could I purchase the condo (which would top in 2015) now? Or I can only buy after my hdb is 5 years old? When is the soonest time we can buy?

3) Would the downpayment be 20% or 40% since hdb loan is not fully paid?

4) If 40%, when would we make payment of the 40%, upon top? (How payment is like?)

I am a sincere buyer who is very interested in buying a condo now. I am also able to fully paid for my hdb if require at any point of time.
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