If you sell your HDB flat when you are below the age of 55, you need to refund the principal amount you had earlier withdrawn for the purchase of the flat, including the accrued interest to your CPF account. This interest is the amount you would have earned, had the savings not been taken out.

If you are aged 55 and above when you sell your flat, you are required to refund the Minimum Sum deficiency, or the principal CPF withdrawn for the property plus the accrued interest, whichever is lower. The Minimum Sum deficiency is the Minimum Sum applicable to you when you turned age 55 less the balance in your Retirement Account (excluding interest earned).

For members who had turned age 55 before 1 July 1995, the required CPF refund will be the principal amount pledged for part of the Minimum Sum plus the accrued interest on the pledge. However, if the flat is not pledged for part of the Minimum Sum, no refund is required.

Click here to find out how much you had withdrawn for your HDB flat.

Before you sell, mortgage or transfer your private property, you must obtain the consent of the Board. When the property you have bought with CPF is sold or transferred when you are below the age of 55, you have to return the CPF savings you have withdrawn as well as the accrued interest to your CPF account.

If you are aged 55 and above when you sell your property, you are required to refund the Minimum Sum deficiency, or the principal CPF withdrawn for the property plus the accrued interest, whichever is lower. The Minimum Sum deficiency is the Minimum Sum applicable to you when you turned age 55 less the balance in your Retirement Account (excluding interest earned).

For members who had turned age 55 before 1 July 1995, the required CPF refund will be the principal amount pledged for part of the Minimum Sum plus the accrued interest on the pledge. However, if the property is not pledged for part of the Minimum Sum, no refund is required.

Click here to find out how much you had withdrawn for your private property.