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What will happen to my Home Protection Scheme cover if I sell my flat, fully repay my loan or buy a new flat?

Your Home Protection Scheme (HPS) cover will be affected depending on whether you:

We will terminate your HPS cover if you sell your flat.

Any unused HPS premium will be paid to your CPF Ordinary Account.

This also depends on whether you are fully repaying your:

Your HPS cover will be automatically terminated when we are notified by HDB that you have fully repaid your loan, regardless of whether you are using CPF savings or cash. Any unused HPS premium will be paid to your CPF Ordinary Account.

If you are using your CPF savings to fully repay your loan, your HPS cover will be automatically terminated when we are notified by the bank that you have fully repaid your loan. Any unused HPS premium will be paid to your CPF Ordinary Account.

 

However, if you are using cash to fully repay your loan, write to us to inform us of the full repayment. We will write to your bank to obtain your loan repayment details before terminating your HPS cover. Upon termination of your HPS cover, any unused premium will be refunded to your CPF Ordinary Account. Your HPS cover will not be terminated if you do not inform us that you have fully repaid your loan in cash.

We will terminate your HPS cover for the old flat if you buy a new flat. Any unused HPS premium will be paid to your CPF Ordinary Account.

 

You will need to apply for an HPS cover for your new flat. The HPS cover for your new flat is subject to your health condition. As such, you will need to declare and fully disclose all information regarding your health in your application.