No. In Singapore, under normal circumstances, if you sell your HDB flat, all CPF monies used to purchase the flat, including the CPF housing grant(s) enjoyed, will be returned to your CPF account. This includes the amount of accrued interest you would have earned in your CPF account, if you had not utilized the money for the purchase of your flat.

In the case of inherited property, the CPF savings used for the property and accrued interests do not need to be refunded to the deceased owner’s CPF account. Instead, the property becomes part of the deceased owner’s estate if held in tenancy-in-common. If the deceased owner has a will, the property will be distributed according to the will. If there is no will, the property will be distributed based on intestacy law, which is a set of distribution rules predetermined by the law. If the property was held in joint-tenancy, it will be passed on to the remaining surviving joint owner(s).

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