I wasn't able to get 80% loan, only managed to get 75% loan approved.
Loan was approved before the new rulings stepped in.
Got my first 350k cash from sale of my first HDB (Telok Blangah/Redhill area)
Spouse income stands at 2.7k x 13mths.
Currently, 1 3yr-old daughter and 1 otw, due on national day.