You are buying new build or sub sale?

If new, I think there are a somewhich is 100% loan for 1st time buyer, free lawyer fee and now HOC free stamp duty.

If subsale you can ask agent try nego with owner to pay earnest deposit 1st then after withdraw from KWSP only pay balance deposit. For bank lawyer fee you may request add in to loan, but your site lawyer fee need to pay cannot count in KWSP.

KWSP withdraw 10% deposit paid + 10% purchase price can withdraw

This post has been edited by ryukeong: Nov 30 2020, 09:57 PM