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Mike Lim
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Afternoon,

If you have intention to buy a BTO unit, it would be good to purchase the current unit with bank loan and without grant.
This would allow you to keep the profit from the sales of your resale unit, and yet get a 90% HDB loan, during the application with your fiancee.
Do note that you need to fulfill the MOP for the resale unit, before HDB will allow you to select for the BTO unit.

FYI
Mike Lim
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