Do we need to return the CPF and interest in cash when the cash proceed is negative after selling flat?

As mentioned, you wouldn’t need to top up cash to your CPF OA in the case of negative sale if you sell your unit at market price. You would still be required to write an appeal to CPF Board to tell them your situation by logging into your CPF homepage using your Singpass!

In a case of negative sale, you need not top up CASH to your CPF account.

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The usual sales proceeds will be used to clear off your existing loan and accurred interest first, then remaining will be refunded back to your CPF-OA account.

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If the sales proceed is less then the above, you do not have to top up ur CPF-OA account with CASH. Hope my reply helps.

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