I'll be getting my flat in 2 year's time +/- in 2025. I currently have 74k in OA. What is the best way to use my CPF.

I can only share my experience because your priorities may be different from mine

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I took a HDB housing loan, wiped out my CPF OA money and paid off my entire mortgage in about five years. Only when my mortgage was paid off did I transfer my CPF from OA to SA. This meant that I hit my FRS only when I reached 41. (There are stories of how others hit their FRS in their early 30s).

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but I don't care lar. I just hate the feeling of being in debt. I'm making Voluntary Housing Refunds to my CPF OA whenever I can - but that doesn't cause me stress at all.

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you can achieve all your financial goals - just not at the same time

The info you have provided is too limited. The easy answer is it depends on your planning - some thoughts you can consider, I hope it's helpful.

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1) Loan/how you plan to finance the flat - how much loan (what is the house value)/what kind of loan (HDB/bank)/how long are you (10,15,20,25 years) / + your spouse (if any) taking the loan/how much by cash? How long you plan to work?

2) Retirement - how are you planning for your retirement? Hit FRS etc? Or you plan to plan only after getting your house?

3) Investment - are your investments for retirement or also a portion will help to pay flat loan?

4) CPF - do you and your spouse plan to retain $20K in CPF OA balance when financing for the flat or no?

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There's no same way/right or wrong answer for different ppl w different obligations/scenario.