When you sell or transfer your share of the property, you will need to refund the CPF principal amount you withdrew with the accrued interest (P+I). The refund amount may change when you turn 55. If you are over 55 years old and have pledged the property to meet your retirement sum, you will also need to refund the pledged amount on top of the P+I.

 

You can find out more about your housing refund on your Home ownership dashboard.

 

If you are selling your share of the property at or above market value and the selling price after deducting your share of the outstanding housing loan is not enough to fully refund your housing refund, the amount to be refunded is the higher of the two figures below:

 

* The amount to be refunded is the higher of Figures 1 and 2, capped at the sum of P+I and the pledged amount (if any).