Your page is loading.
One moment please.

When can I apply to be exempted from the Home Protection Scheme?

The period which you can start applying to be exempted from the Home Protection Scheme will differ depending on the following:

  • If you are a new home owner

You can only apply to be exempted from Home Protection Scheme (HPS) after you have obtained legal ownership of your Housing & Development Board (HDB) flat and the housing loan for the property has been disbursed.

  • If you have refinanced your housing loan

You can apply for HPS exemption only after the refinancing is completed and the housing loan has been disbursed by the new mortgagee.

  • If you have not previously used your CPF savings for your current HDB flat

If you have not previously used your CPF savings for your HDB flat at the time of purchase or for your monthly housing instalment, please fill up this application form to start using your CPF savings for your HDB flat.

Please note that you must apply for HPS before applying for exemption to avoid any delay in commencing the use of your CPF Ordinary Account (OA) savings for your monthly housing instalments.

If your exemption application is approved, your existing HPS cover will be terminated. You will receive a full premium refund credited to your CPF Ordinary Account (OA), provided that the exemption application is received by the Board within one month from the issuance of the HPS cover. Otherwise, a pro-rated refund will be credited to your OA upon the termination of your HPS cover.