pinkylicious

hi all need ur advices here. my hubby's name was added to my PIL' flat almost 3 years back. reason being my PIL's cpf a/c $ were all used up. i moved in to stay with them since we got married. now that we wanted to move out and get a flat on our own so tat hubby needs to withdraw his name from PIL's flat. understand from HDB PIL needs to top up back to my hubby's a/c by cash/ cpf/ get a loan from HDB or from bank. my case is rather complicated but i really wish to shift out and have our own lovenest. both hubby and i income are less than $8k. wanted to know wat type of grant can we get from HDB beside the $40K HDB grant if we are buying a flat near to PIL? as a first timer buying a flat are we suppose to pay downpayment by cash? we having low cash and intend to do mini reno only. also hope to rent out 2 rooms for the time being. as long as i can move out from PIL's house lesser meetings = lesser conflicts.... pls advice. thanks.