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Hi Dylan, Firstly, Option Fee to book the Unit for 3rm-$1000 while 4/5rm-$2000. To successfully book a SOBF, downpayment of 10% or 20% cannot be form by means of Contra/Bridging Loan. Under HDB loan, downpayment 10%(CPF&Cash) provided you are still eligible & if you are allowed up to 90%loan. If Bank loan, downpayment 20%(CPF&Cash5%) with up to 80% loan. However, there are other implications for each individual's housing status that require verification. Drop me a call if you need more clarifications as I just handled similar case like yours. No obligation. Regards Jerry Phoey HP: 9630 1615  HP: 9630 1615  Read More