How do I apply to use my CPF savings for my housing loan monthly instalments?
You can apply to use your CPF savings for your housing loan monthly instalments through the following methods: 
 
If you own an HDB flat with HDB loan:
 
  1. Online Application
    • Visit HDB's website and log in with your Singpass
    • Navigate to: e-Services > Residential > Servicing your HDB Housing Loan > Apply or Change CPF Payment for Housing Loan or Upgrading Cost
    • Processing time: generally within three working days upon the receipt of your request from HDB 
  1. In-person at HDB Branch
    • Complete the CPF withdrawal form (PHS9)
    • Book an appointment via the e-Appointment system before visiting 
    • Processing time: generally within five working days upon the receipt of your request from HDB 

Please note that all in-person services at HDB Branches require prior appointments.

If you own an HDB flat with bank loan: 

  • Submit an online application with your Singpass at least five working days before the monthly instalment deduction date
  • Processing time: generally within five working days, subject to the notice period as required by your bank (if required) 

If you own a private property: 

  • Submit an online application with your Singpass at least five working days before the monthly instalment deduction date
  • Processing time: generally within five working days, subject to the notice period as required by your bank (if required)

Important Note about Home Protection Scheme for HDB Flat Owners

If you own an HDB flat, you must be insured under the Home Protection Scheme (HPS) when using CPF savings for housing loan instalments. Your eligibility for HPS cover is subject to approval and you being in good health.
 
If you are not insured under HPS, you may apply for HPS cover when you are applying to use your CPF savings to pay your monthly housing loan. You may proceed with CPF payments while your HPS application is still pending approval.

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