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How do I make partial repayment or full repayment of my housing loan?

The application process to use your CPF savings to make partial repayment or full repayment of your housing loan depends on the type of loan you have taken.

Check that you have enough CPF Ordinary Account savings and the maximum amount of CPF savings that you can use for your property.

 

There are two ways to make a partial repayment or full repayment of your housing loan.

  1. Submit an online application under My Flat > Purchased Flat > Financial Info > Other Related Services> Partial Capital Repayment/Redemption of Housing Loan 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. Please 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 using the e-Appointment system. Your application will be processed within three to five working days upon the receipt of your request from HDB.

To make partial or full repayment of your housing loan, you will need to:

  1. Seek approval from your housing loan financier.

  2. Check that you have enough CPF Ordinary Account savings and the maximum amount of CPF savings that you can use for your property. You can view your Home ownership dashboard to find out your latest usage and usage limit for  your property.

  3. Submit an online application with your Singpass.

For full repayment of housing loan, you will need to upload a copy of the bank’s redemption statement and a copy of your lawyer’s legal bill (if any) in the application.

 

Your application will be processed within five working days.