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Jus to add on info, my monthly cpf contribution is relatively avg at $1500. Question here is should i wipe out my cpf monthly contribution and if not enuff cash den top up or fix a low cpf deduction of $1200, the rest use cash ? I am 30 this year and if i am looking in future if i sell away this house, the cash earn will have to put 50% into next house if i take a loan frm hdb again.. Which means my part of $500 cash being use monthly last time is also lock up ??

Hi Folks, I have recently commit a resale HDB flat. in the process of tranfering ownership now. i would like to check if it is better to service my monthly housing loan using fully cpf or partially cpf ? my current financial details as follow Monthly CPF ordinary contribution $1300 - $1700 Monthly Housing service $1700. I was initially thinking of using monthly $1200 from cpf and $500 cash. having the thoughts of borrowing lesser from cpf and if let say 8 years later i were to sell my HDB flat, i would return lesser borrow amount and lesser interest return as well. Secondly i will also get more cash return after i sell my HDb flat cause every month i am putting in more cash. take it as a additional saving as $500 a month is consider ok for me Any advise will be greatly appreciate. Thanks