I think not restrict bah. The builder also need to borrow money
to build, right? So, if they collaborate with a bank, they can get
a good rate too. In a way, they are trying to get customers for the
bank. So, if you go elsewhere to borrow money, it's not working for
their collaboration. You know? The sales people int he bank also
got quota one leh. Mortgage lah. personal loan lah. cards lah,
blah, blah, blah........so of course they try to get many
customers. then if you cha bot go to another bank, they lose you as
a potential customer leh. but they dangle a carrot in front of you
mah. they giving you a 10k discount? or is it to apply to your
upgrades?
anyways, good luck. maybe it is still a good idea to seek legal
advice on your documents. how come closing is not done by lawyers.
we don't get involve at all. even the exchange or transfer of
funds. everything's done by the lawyers.
okay, 5k for your down. next time you sell, what's the % for agents
commission? over here is 6%!!! 
sometimes can bargain. i heard the lowest
that can bargain to is 4% so, in a way, got to make sure your
resale can be more than the agents comission then you should be
okay.
