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Anonymous

16 Aug 2020

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For housing loan repayments, can the Cash to CPF ratio be changed each month? How do i indicate the amount of cash i want to repay? I will pay more cash over the years as i get increments. Any suggestions?

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Tan Kel Vin

16 Aug 2020

Financial YouTuber at Kelvin Learns Investing

Hi, you can make changes to the repayment anytime. Check it out here:

https://www.cpf.gov.sg/members/FAQ/schemes/hous...

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Lee John

16 Aug 2020

I doubt so.

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During BTO key collection, can I indicate to pay the mortgage using CPF-OA funds but repay my CPF-OA using cash every month / year? Will there still be accrued interest if I repay using cash monthly?

I'm 35 years old, single and first time buyer. I have $53,000 in my OA. My gross pay $1300, $299 goes to my OA monthly and I want to get a 2 room Flexi. How much loan and grants can I get and pay back monthly?

What is your opinion on using only cash every month to pay for hdb loan repayment instead of using full OA CPF to pay hdb loan every month?

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In my 30s and on a 25-year HDB loan of 350k paid monthly through CPF, should hit FRS by my 40s. Is it sensible to pay the HDB loan thru excesses in OA once I hit FRS, instead of getting a bank loan?

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