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

If you have no other use for the money until retirement. because refunding is one way. can return but cannot take back.

some people might refinance to bank loan, or use spare cash for other investments for potentially higher returns. but in all, do consider your own situation.

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hope this helps.

Hi anon,

if you dont intend to invest the cash, i think this is definitely a wise thing to do!

However, make sure that the cash you return is excess cash that you do not need and not from your emergency fund as this action is not reversible!