CPF refund when you sell your home.

What do I have to refund?

You refund the CPF principal you used for the property plus the accrued interest: the interest your CPF would have earned if you had not withdrawn it. The longer you have owned the home, the larger the interest part.

In what order is the sale price paid out?

• First, your outstanding housing loan is repaid.
• Then your CPF principal and accrued interest go back to your CPF account.
• Then other costs of the sale, such as legal fees.
• What is left is your cash.

The refund goes back into your own CPF account. It is still your money, and you can use it again for your next home.

What if the sale price does not cover the refund?

If you sold at market value, you do not need to top up the shortfall in cash.

Can I reduce the refund?

You can make a voluntary housing refund before selling. If you refunded in full and stopped using CPF for the loan, nothing more is refunded at sale. It does not change your total wealth; it moves cash into CPF earlier.

What changes after 55?

If you pledged your property to meet your retirement sum, you may also need to refund the pledged amount on top of the principal and interest. Check your CPF dashboard before you price your sale.

Where do I see my exact figure?

Log in to my cpf and open the Home ownership dashboard to see the amount used and the accrued interest for each property. Use that figure, not an estimate, when you plan your next purchase. My numbers and the sale proceeds calculator use it to show the cash and CPF you keep.