Stop Looking at Your HDB Price — Look at This Instead

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Издатель Sep 7, 2026

What happens if you sell your HDB flat for $750,000, but your required CPF Housing Refund is already $812,377?

Does this mean you need to take more than $62,000 from your own pocket to make up the CPF shortfall?

This situation is commonly referred to as a negative sale — and the answer may surprise many HDB homeowners.

In this video, I explain:

• What an HDB negative sale actually means
• What happens when your CPF Housing Refund is higher than your selling price
• Whether you need to top up the CPF shortfall in cash
• Why selling at market value or above matters
• What happens if you sell your HDB below market value
• Whether the Option Fee and Option Exercise Fee need to be refunded to CPF
• Why CPF accrued interest can cause your Housing Refund to grow over time
• Why owners of older HDB flats should pay attention to this risk

Your HDB may have increased significantly in value since you bought it. But that doesn’t necessarily mean you’ll walk away with a large amount of cash when you sell.

Your outstanding housing loan, CPF principal used, accrued interest, required CPF Housing Refund and selling expenses can all affect your final cash proceeds.

The key is to understand the numbers before you commit to selling your HDB.