Don't Sell Your HDB after 55 - Here's Why

If you're in your 50s and thinking about downsizing your HDB flat — watch this before you make any moves. There's a CPF rule that kicks in the moment you turn 55, and most HDB owners have no idea it exists. It directly affects how much cash you walk away with after your sale — and the difference can be over $60,000. In this video, I break down: ✅ What happens to your CPF Ordinary Account and Special Account at 55 ✅ How the Full Retirement Sum (FRS) of $220,400 affects your CPF refund ✅ A real scenario comparing selling before vs after 55 — same flat, very different outcome ✅ The 50% FRS rule on CPF usage for your next purchase ✅ Real situations where people get stuck at retirement because of this //FOR PROPERTY RELATED MATTERS Apply For A Call With Me: https://tidycal.com/melissachan/disco... Telegram: https://t.me/melissachanproperties Whatsapp: https://wa.me/6581021221 Mobile: +65 81021221 Instagram:   / mellyyssa   Facebook:   / melissachanhx   Tiktok:   / mellyysssa   🔔 Subscribe for more real estate insights! Chapters: 0:00 Why this video matters — the CPF mistake most owners don't see coming 0:27 Setting up the scenario — your HDB flat numbers 1:24 2 possible scenarios: before or after 55 1:43 Scenario 1: Selling and buying before 55 2:51 What is the Full Retirement Sum (FRS)? 3:44 Scenario 2: What happens to your CPF at 55 4:28 How the FRS shortfall absorbs your CPF refund 5:13 Your total funds available after 55 6:03 The 50% FRS rule on CPF usage for your next flat 7:12 Final cash remaining — before vs after 55 8:08 Real-life consequences: stuck, negative sale, can't pay 8:45 What to do now — property health check #SingaporeProperty #PropertyMarketTrends #NewLaunchAnalysis #HDBSingapore #CPFSingapore #SingaporeProperty #HDBDownsize #CPFRetirement #FullRetirementSum #SingaporePropertyMarket #HDBOwners #RetirementPlanning #PropertyTips #MelissaChanProperties #CPFWithdrawal #HDBFlat #SingaporeRealEstate #PropertyInvestmentSG