Appreciate your reply and sharing. I’m hesitated whether to take grant. Some said is free money.
It is definitely not free money. Gahmen will never be so kind They give you say 50k, you pay back 75k with interest. It does not go to hdb but it goes back to your cpf. But not sure what happens if you sell house and don't have enough cash to pay back. The other alternative is technically free money to you if you do not sell house at all I guess?