Should I use my CPF to fund my house or should I take a bank loan and use the money in CPF to invest?

The decision should be based on interest rates; if the interest earned on regular savings exceeds that of the Housing Provident Fund, who would still choose to keep their money in the Fund? It is simply a matter of choosing where to allocate your funds. As for investment choices, rely on your own experience—once you have made a decision, act boldly. Nothing in life is 100% secure—unless, of course, you are living in a fairy tale.

This is wht i did/am doing

if got at least FRS in CPF, use CPF

if bank interest < CPF interest, use bank

not using CPF to invest becoz CPF is gauranteed (almost) and investments are higher risks.

i dunno what is the fuss about able to invest CPF money and why so many ppl treat these CPFIS advisers as god. yes, CPF potentially grow faster. but, so what? creating a wider divide between haves and the have nots? focus shud be on getting ppl better and more decent wages.