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Selling · 5 min read
What Happens to My CPF When I Sell My Property?
CPF used for your purchase must be refunded with accrued interest — which is why paper profit and cash proceeds differ.
This is the single most common surprise for sellers.
The refund The CPF principal you used, plus the accrued interest it would have earned had it stayed in your account, returns to your CPF Ordinary Account on completion.
Why proceeds look smaller than expected Your cash-in-hand is the sale price less outstanding loan, less the CPF refund, less costs. Sellers who look only at price versus purchase price often overestimate what they will receive.
Using the refund next Refunded CPF can generally be used again for your next property, subject to the applicable rules and limits for your age and situation.
Get your specific figures reviewed before you plan your next purchase.
Run your own numbers
Reading is a start — the useful part is applying it to your own figures.