Hi, my fiance & I are looking for a bigger HDB unit ( EA, EM preferably) else a 5 rm in either Hougang, Serangoon, AMK , Bishan or nearby premises. However, we are hoping to find one with low COV (eg.$20K or lower) is this possible ? We do not mind level of the unit / if it's not well furnished. 'cos we're desperately looking for a unit to settle down in. We're still eligible for HDB Loan though.