Can I voluntarily refund a portion of the CPF savings I used for my property?
Yes, you can apply to make a voluntary housing refund of any amount up to the total CPF principal amount you have withdrawn for the purchase of your property plus the accrued interest. You can check the amount available for voluntary refund on your Home ownership dashboard.
 
Your refund will be used to reduce the principal amount withdrawn for your home, followed by the interest accrued on your withdrawals.
 
 
Guide to making a voluntary housing refund
Your refund will be used to reduce the principal amount withdrawn for your property, followed by the interest accrued on your withdrawals.
 
You can apply to make a voluntary housing refund through the following methods:
 
  1. Read the Terms of Use. If you accept, click the checkbox
  2. Click "Start"
  3. Log in with your Singpass
  4. Select ”PayNow” as the payment method
  5. Select a property, enter a refund amount
  6. Click "Next"
  7. Read the declaration. If you agree, click the checkbox and click "Confirm"
  8. Make the payment
2. Through the CPF Mobile app:
  1. Log in to CPF Mobile app with your Singpass
  2. Select "Services"
  3. Select "Voluntary Housing Refund" and click "Continue"
  4. Select the property, key in a refund amount, and click "Next"
  5. Read the agreement. If you agree, click the checkbox
  6. Click "Next"
  7. Select the payment method
  8. Make the payment
Payment processing
If you pay by PayNow using the QR code or OCBC Digital, the transaction will appear in your transaction history immediately after payment.
 
Alternative assistance
If you are unable to submit online or through the CPF Mobile app, you may write to us at cpf.gov.sg/writetous for assistance.

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