Do I have to pay cash or CPF for the down payment of flats?

For HDB loan, you may use either cash or CPF for the downpayment. If there is an insufficient amount in your CPF, then you will need to top up the remainder in cash.

For bank loan, you will need to pay at least 5% of the downpayment in cash and the remainder can be financed via CPF.

You can actually find more in-depth information here: https://www.hdb.gov.sg/residential/buying-a-fla...

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