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Anonymous

07 Jul 2022

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I’ve been repaying my housing loan in cash as the interest rate was less than 1.8%. However, I’m repricing to a fixed rate loan at 2.65%. At this rate, it better to repay the loan with CPF?

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1M45

Edited 07 Jul 2022

Is good if only you are investing your cash that yield more than 2.65%p.a.

OR

Hand is tight with monthly cashflow.

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Hi there, I’ve recently started a more in-depth study on various housing loan and I’m very incline on obtaining a bank loan. However, I have many “options” (in comments) offered to me in terms of interest rates. Any advice?

I had been paying my HDB housing loan for the past 3 years. If I do Partial Capital Repayment using CPF, does it benefit me from the loan interest rate and also accrued interest on my Cpf.?

With Bank interest rates so low, would it be better if I pay back my CPF Home loan with the spare cash and get a higher interest from CPF

Is it wise to repay HDB housing loan earlier than loan duration (paying in full/partial)? To save on loan interests / use less of CPF OA?

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