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?

Depends on whether u are thinking of using the cpf for retirement

Hello, there are pros and cons of using cpf to pay your hdb loan. some pros include having cash flow and since property would eventually appreciate, capital might appreciate too. however, utilising CPF for mortgage payments can deplete retirement savings and theres that opportunity cost. it really depends on you and what you are comfortable with. You can read up more on whether to use cpf to pay your mortgage loan here. For me personally if i have cash then i would cash.

If really got no use for the extra cashflow then can consider that, opportunity cost of that cashflow going into property payment will be the key element to consider. See what you prefer.

I don't mind using cash. I have top it back to CPF using cash as the int in OA Is 2.50% with no risk