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However did you use other collateral to secure your land borrowings. If not , which bank are you referring to. Didn't you apply to borrow funds for land based on building 4 houses on 4 blocks

If it is to be an investment property then you can claim a number of expenses . Banks wont probably lend you funds if you only submit the land as security.You thus need to pay the full amount . With a normal house and land setup you can normally expect a 20 % deposit