Going through a divorce is an emotionally difficult time. In addition, one of the key issues that you will have to face is the division of your matrimonial assets. If you have used your CPF savings to buy your house together, you need to think about what you want to do with your matrimonial home.

If you have used your CPF savings to purchase your property, a charge will be created to ensure that a refund is made to your CPF account when you dispose of your property. Hence, you will need to refund the principal CPF amount withdrawn for the property, including the accrued interest, to your CPF account when you dispose the property.

If you are aged 55 and above when you sell your flat, the CPF refunds will be used to top up your Retirement Account up to your cohort Minimum Sum and your Medisave Account up to the prevailing Medisave Required Amount. The excess CPF refunds will be paid to you within 5 working days from the date of refund crediting.

Do note that you need to refund the required CPF refund to your CPF account when you sell or transfer your property. Otherwise, the charge on the property remains and you will not be able to complete the transaction.

From 1 October 2007, you may transfer your share in the property to your ex-spouse with partial or no refunds to be made to your CPF account, if the Court had directed so. This ruling applies to Court Orders extracted on or after 1 October 2007 and cannot be applied retrospectively.

However, when your ex-spouse subsequently sells or transfers the property, he/she will be required to refund to his/her own CPF account the total of the following:

There will be no refund to your CPF account when your ex-spouse subsequently sells or transfers the property.

If your matrimonial flat is
(a) a HDB flat, click here.

(b) a private property, click here.

Click here to see the common FAQs.

Click on the links below to find out more about how a divorce may affect your other life events: