Author name: rachelnreal@gmail.com

Voluntary Housing Refund: Should You Put Money Back Into Your CPF?

UPGRADING NOTES Voluntary Housing Refund: Should You Put Money Back Into Your CPF? A Voluntary Housing Refund (VHR) is something many homeowners don’t realise they can use strategically to maximize their cash proceeds upon a future property sale, and build a flexible retirement fund. Published 31 Aug 2026 Note Summary If you have used your

Can PRs Buy an HDB Flat in Singapore? What You Need to Know

BUYING NOTES Can PRs Buy an HDB Flat in Singapore? What You Need to Know Here’s a practical look at who can buy, BTO vs resale flats, PR requirements, grants, EIP and PR quotas. Published 30 Aug 2026 Note Summary If you’re a Singapore Permanent Resident (PR) considering an HDB flat, the first thing to

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