Should I use cash or CPF to pay for my home?

Don’t over think lar. Of cos use CPF to pay unless you are taxi driver.

Many articles out there by dollars and sense, thewokesalaryman and seedly even. Do have a read to consider your options.

Generally, our CPF accounts are meant for our retirement years. If you intend to use CPF OA to pay for housing (side note: if can use MA to pay for any medical expenses, just use), then you should have more liquid cash to invest. This investment should serve for your retirement needs.

If you do not want to invest, then use cash to pay.

If you want to invest but can't stand the idea of accrued interest, then consider paying part cash, part cpf.

If your cash is already fully budgeted for and no spare for monthly repayment, then consider (some side hustles) to increase income while paying using your cpf. But remember as you grow older, the cpf contributions % to OA will decrease so you may still need to fork out cash next time.

If use cpf to pay for house, need to repay amount used plus accrued interest when house is sold. If shortfall, no need to repay (someone pls correct me if I'm wrong). If use cash to pay for house, then there's no accrued interest to pay.

If not selling house and using cpf to pay, there is no need to repay amount used unless you decide that your cpf will be part of your retirement plan then I would repay and push to SA for higher interest.