From my understanding, If you surrender before MOP its at 95% of the price you first purchased from HDB. You can appeal to HDB for loan due to divorce and a young child. HDB is supposed to judge case by case basis for divorces. If you get declined email the minister, or MCYS for support. if you had the flat for a couple of years and very close to MOP, can still appeal to sell open market and then buy a smaller flat.
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