Yes, you can use your CPF Ordinary Account (OA) savings for both HDB upgrading costs and recess area purchases:
For HDB Upgrading Costs: You can make a lump sum payment through either of these methods:
1. Online Application
- Visit HDB's website and log in with Singpass
- Navigate to: e-Services > Residential > Living in an HDB flat > Make Housing Payments
- Processing time: three working days upon the receipt of your request from HDB
2. In-person at HDB Branch
- Complete the CPF withdrawal form (PHS10)
- Book an appointment via the e-Appointment system before visiting
- Processing time: three to five working days upon the receipt of your request from HDB
Note: If you wish to pay the upgrading cost via a monthly instalment plan, please approach HDB directly. You can refer to this
FAQ for the instalment deduction date.
For Recess Area Purchase: The application process varies depending on your loan type:
If you have an HDB loan:
1. Online Application
- Visit HDB's website and log in with Singpass
- Navigate to: e-Services > Residential > Living in an HDB flat > Apply to Purchase Recess Area
- Processing time: three working days upon the receipt of your request from HDB
2. In-person at HDB Branch
- Complete the CPF withdrawal form (PHS9)
- Book an appointment via the e-Appointment system before visiting
- Processing time: three to five working days upon the receipt of your request from HDB
If you have a bank loan:
- Make an appointment at any CPF Service Centre to submit your request. Please bring:
- HDB’s letter of approval for the purchase of the recess area
- A copy of the legal bill (if you are applying to use CPF savings for legal fees)
- If you are a lawyer representing the member, you may write to us to submit the request.
Please note that all in-person services at HDB Branches and CPF Service Centres require prior appointments. For comprehensive information about using your CPF savings for property purchases, please refer to the
Terms and Conditions.
