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Anonymous

10 Sep 2019

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Currently, I am paying half cash and half CPF for my housing loan from POSB. After selling, I will gain less than 10k, what is the best advice?

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Edited 10 Sep 2021

Using your cpf for loan Repayments. Revise your monthly repayment amount by applying at cpf website with your SingPass. Private property. https://espiort.club/loot-not-detecting-skyrim-...

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Cedric Jamie Soh

10 Sep 2019

Director at Seniorcare.com.sg

You may like to provide more details for crowdsourcing answers.

For example, a $100,000 property loan for a $10k gain is quite reasonable, isn't it?

$500,000?

$1,000,000?

You may like to share the loan amount, the tenure period, the short term and long term goal, when would you plan to sell or plan to rent out etc etc.

and best advice in related to what?

for refinancing? for better rental yield? for better sales pricing? for best usage of CPF? For better usage of liquidity?

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I’m currently paying my hdb loan half with cpf half with cash. As we know money used from cpf will snowball with accrued interest. Assuming you have cashflow, do you recommend using all cash instead?

We used CPF to pay HDB. But after we fully paid using CPF after 25 years loan, we sell the house to buy another, why are we still paying the interest in the loan when the CPF money should belong to us? What do you guys think?

Am currently partially using CPF to pay for my home loan and want to switch to fully using cash. Is it easy to reapply to use CPF again in the future? Should i pay minimal CPF or cease CPF payment?

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When buying a house, how much should it come from our CPF and the remaining should come from cash? I am wondering if there is a "best ratio" between how much to pay via CPF vs cash. Does anyone know?

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