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Ivan Ng
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Hi,

By BTO private condo, you mean EC from developer? Its possible but I would need more details. But please note if you buy EC from developer , you have to sell away your hdb.

For private condo, there will be ABSD of 7% if its a joint purchase. Your housing loan is up to 50% of purchase price since you still have outstanding loan. Alternatively you may want to consider buying under your wifes name only, but likelihood you be purchasing a smaller condo. Thanks and hope to assist with your plans further.

Warm regards
Ivan ERA
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