Illustrative photography · Unsplash. Not a client property or transaction.
Begin with your everyday life
A suitable next home should support the way you want to live. Visit potential neighbourhoods at different times and consider access to your family, transport, shops, and healthcare.
Understand where the money goes
Work through the sale and next purchase separately. Use your latest loan statement and CPF housing refund figures, then account for transaction and moving costs. CPF refunds and cash proceeds are different parts of the picture.
Check the rules for your circumstances
The treatment and subsequent use of CPF housing refunds depend on your circumstances. Check directly with CPF Board, particularly when planning around retirement. Avoid assuming all sale proceeds will be freely available cash.
Plan the transition
Think about renovation, storage, handover dates, and temporary accommodation. A more manageable home should come with a manageable move. Compare complete scenarios before choosing one.
Go to the source
CPF Board: Using refunded sale proceeds ↗HDB: Sale planning and proceeds ↗General planning information, prepared on 30 October 2026. Rules and individual circumstances can change. Verify current requirements with the relevant authority and your lender before making commitments.