那要是買的二手組屋，沒拿CPF housing grant，5年後買EC，首付的最低要求還是20%-30%嗎？還是沒還完組屋的bank loan的情況下要給50%首付？

在HDB的EC Eligibility網頁上：
under Property Ownership: You have not bought a new HDB/ DBSS flat or EC, or received a CPF Housing Grant before; or, have only bought 1 of these properties/ received 1 CPF Housing Grant thus far.
and under Can I get a new EC if I used to/ still own an HDB flat, DBSS flat, or EC? in the bottom: HDB resale flat bought using a CPF Housing Grant (only applies to first-timer applicants)
我一直認為是說公民買了resale的HDB，可以不用賣，還有資格申請EC，只是不清楚這個“using a CPF Housing Grant”是不是必須 ，而且只能一個

清楚多了！