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Hi Ms. YT,

1) You are not eligible until your daughter reached 21 years old and had been SPR for at least 3yrs.

2) With your current salary, your estimated loan is around $286k for a loan period of 22 yrs.

3) Thus at the moment, your ideal budget should range from 360~380k. Because you have to take care of buyer stamp duty and additional buyer stamp duty of 5%.

4) Stamp duty is a sum that you can't ignore:
BSD for 360k is 5.4k, 380k is 6k
ABSD for 360k is 18k, 380 is 19k

5) Legal fees is estimated to be around 1.5k.

6) It is advisable to consider a 3-rm flat instead of a 4-rm. 4-rm flat under this budget is limited, and the condition is never at its' peak condition, also usually at the low floor;#02~#03.

Hope the above answer to your main concerns, but if there are more query, please feel free to contact me at 90110636  , or email: ling.ck7@gmail.com if more information is needed.
I'll be glad to assist.

Best regards
Ling CK
 90110636 
ling.ck7@gmail.com
https://R056727F.propnex.net/
https://www.facebook.com/Homesellerbuyer

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