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Morning MYLI,

Both of you will be affected and subject to 10% ABSD on top of 3% BSD because one of you is a PR.

In order to enjoy the ABSD relief, you can choose to sell off your 1st property (HDB) within 6 months from purchase completion.

As for loan, you will be able to take up a max 80% bank loan because you dont have any outstanding loan.

Hope it help!

If you need assistance in your purchase, I am just a call away.

Cheers!

Warmest Regards,
YT TAN
Senior District Manager
R043025D
(M): 9111 5171 
(E): yt.lovelyhomes@gmail.com
(W1): www.yttan.com
(W2): yttan.stproperty.com.sg/
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