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Hi, Must really sucked to be raising your child on your own. It's one of the hardest thing to do especially since Singapore can be so expensive. I do think you should look at rentals or at least the grants available to help you with the housing cost? I think HDB does give concessions for...

There are multiple considerations though. not sure if you have kids. If you do have kids, things might be different and some policies may help you get more favourable loans. You may be able to retain under the Single Singapore Citizen Finance Scheme. Though if you sell, bulk of it has to go back...