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If my selling price is not enough to pay my housing loan, why did I receive a letter informing that I may receive some balance housing refunds upon sale of flat?

The information on your selling price and outstanding loan were not available when the letter was sent to you.

If you are aged 55 and above, we will inform you if you do not have any balance housing refunds after the top up to your Retirement Account, upon completion of the sale of your property.