The application process to use your CPF savings for your housing loan monthly instalments depends on the type of your property and loan you have taken.

For HDB flat with HDB loan

There are two ways for you to commence your housing monthly deduction.

1. Submit an online application under My Flat > Purchased Flat > Financial Info > Other Related Services > Commence/Vary Monthly CPF deduction at HDB’s website with your Singpass. Your application will be processed within three working days upon the receipt of your request from HDB. 
   
   
2. Complete the CPF withdrawal form (PHS9) at HDB Branch. Do note that services at HDB office and Branches are by appointment only. If you wish to visit a HDB Branch, you can book an appointment via the e-Appointment system.  Your application will be processed within three to five working days upon the receipt of your request from HDB. 
   
   Note: You have to be insured under Home Protection Scheme (HPS) if you are using your CPF savings to pay your housing loan monthly instalments for HDB flats. Your eligibility for an HPS cover is subject to approval and you being in good health. While we are processing your HPS application, you can proceed to use your CPF savings to pay your monthly housing loan instalments.

For HDB flat with bank loan

You can submit an online application with your Singpass at least five working days before the monthly instalment deduction date. 

Note: You have to be insured under Home Protection Scheme (HPS) if you are using your CPF savings to pay your housing loan monthly instalments for HDB flats. Your eligibility for an HPS cover is subject to approval and you being in good health. While we are processing your HPS application, you can proceed to use your CPF savings to pay your monthly housing loan instalments.

For Private property

You can commence your housing monthly deduction by submitting an online application with your Singpass.

Please submit your application at least five working days before monthly instalment deduction date.