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My husband and I sold off our 4room HDB and found out on the very day of our sale completion that the 5room flat that we have paid deposit & submit OTP, the deal was called off by the non-serious seller.

Now we face a dilemma of either continue trying to buy a bto as second timer while renting in the open market or buy an old 3room flat and fully pay with our CPF without taking up hdb loan so that we do not need to fork out the 50% from the first resale cash proceeds?

We can't secure any bank loan so that option is out for us. Please advise. Thanks!
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