Calculate mandatory CPF housing refunds (Principal + 2.5% compound accrued interest), mortgage payoff, and net cash proceeds upon property sale.
Official CPFB 2.5% compound refund rules
Total\ Principal = Principal_{Downpayment} + Principal_{Installments} + Grants \\
Accrued\ Interest = Total\ Principal \times \left((1 + 0.025)^{Years} - 1\right) \\
Total\ CPF\ Refund = Total\ Principal + Accrued\ Interest \\
Net\ Cash = \max(0, Selling\ Price - Outstanding\ Loan - Costs - Total\ CPF\ Refund)When selling a Singapore property, all CPF Ordinary Account savings used (downpayment, monthly loan repayments, housing grants), plus the 2.5% per annum compound interest it would have earned, must be refunded into your CPF. The remaining balance represents your net cash in hand.
All calculations, amortizations, and scenario projections displayed on this page are strictly for informational and educational purposes. Nothing herein constitutes investment, financial, tax, or legal advice. Actual CPF interest rates, ABSD criteria, COE prices, and bank mortgage rates may vary. Calconova explicitly disclaims all liability for any decisions taken based upon these calculations. Consult a MAS-licensed financial adviser or IRAS/CPF officer prior to executing financial commitments.
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