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Cannot lah
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Nope cannot, only 1 way from hdb to bank
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No,
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No allow....
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Strictly one-way, government will not allow existing owner to turn back to HDB loan after bank loan. This will cause uproar if this is allowed midway of the bank loan. However, they might consider this kind of 2-way option (perhaps with a limit) for future loan takers. The keyword is "might".