Should I pay off my HDB using my CPF or Cash?

Should I pay off my HDB using my CPF or Cash?

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The problem that I often hear from HDB owners is that they wanted to pay off their HDB as they see that home loan is a bad debt rather than a good debt. And often than not, as their top priority, they choose CPF over cash to pay off their HDB, to gain financial freedom.

The truth is Paying off HDB using CPF does NOT mean you are financially free!

Why? Any CPF amount withdrawn is subject to accrued interest! This means you are still paying your own CPF interest.
This interest stops compounding only when all the CPF amount with accrued interest has been returned.

So, how can we make our HDB and money work harder for us to achieve financial freedom!?

I can help to understand this by using my curated R.A.M. analysis.

Click on the link below, so that we can have an opportunity to have a one-on-one discussion. I can share with you on HOW you can achieve financial freedom systematically with my R.A.M. analysis, ESPECIALLY if you are the first time home owner!

Hope to see you soon!

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    Sunny L R059950Z is a licensed agent with PropNex Realty (L3008022J). Contact Sunny L @ (65) 8753 1066. No part of this site may be reused or reproduced for any purpose whatsoever without my prior written consent. Disclaimers: The case studies used here are for educational use only and we make no representations or warranties with respect to the accuracy and applicability or completeness of its content. Any forward-looking statements outlined in this landing page are simply our opinions, estimates, expectations or forecasts for future potential and thus are not guarantees that you will achieve any results. All profile representations and results may vary on a case-by-case basis.