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I've paid the 1st 5% of my HDB under the Deferred Downpayment Scheme for an Uncompleted Flat. How do I go about switching from an HDB Loan (With Valid HLE but have to be reassessed as it's more than 6 Months) to a Bank Loan to take advantage of the Bank's Low Interest Rate currently? Are there any additional cost on my end when I decide to make this switch and how I do go about with this?
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