Upon the sale of your HDB flat, you need to refund the principal amount you had earlier withdrawn for the purchase of the flat, including the accrued interest to your CPF account.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 the sale transaction is conducted at market value and your sales proceeds are insufficient to repay the outstanding housing loan, plus making the necessary CPF refund in full, you need not top up the shortfall with your own cash.

Click here to find out how much you had withdrawn for your HDB flat.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When the property you have bought with CPF savings is sold or transferred, you have to return the CPF savings you have withdrawn as well as the accrued interest to your CPF account.

Click here to find out how much you had withdrawn for your private property.