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Hi, i need help on this issue.

Last year 2021 i bought a condo valued at 1.2m during HOC campaign and signed S&P on 2021 too. Govt cover 1m for me so i have to pay the excess 200k at 4% but during hoc campaign i only need to pay 3% even the condo valued over 1m but now they ask me to pay 4%.

I just want to confirm if title changing thing come out after HOC is also my fault? I have to waste 1more %
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