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Can I choose not to have this 5% allowance?

Not for the first approved DCP loan. The 5% allowance is intended to cater for any incidental charges incurred from the time the DCP is approved till the DCP amount is disbursed to the financial institutions. Any portion of the 5% allowance that is not disbursed directly to the relevant FIs will be credited/refunded to you by the relevant FIs.

However, 5% allowance is not applicable for subsequent refinancing of DCP. 

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