Can I get cash pleading my flat.?
What do you mean by cash pleading?
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1) I assume you are referring to pledging your flat to the CPF board so as to relieve your BRS or FRS.
2) I'm afraid you are not eligible for that yet. You can only do the pledging at 65 yrs old or above.
3) Whereas the other way is to join the lease buy-back scheme.
4) However, this scheme also required you to reach 65 yrs old or above before being eligible to do so.
5) So currently in order to cash out from the flat is to sell it and downgrade to a smaller flat.
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From my understanding, you can pledge your flat from age 55 onwards, provided you maintain sufficient funds for your basic retirement account (should be $88,000). Generally with CPF board approval, you can pledge your flat and cash out any amount in excess of $88,000. As this is quite a complicated issue, to assist you further, its best if we can have a chat on this. I am specialised in HDB transactions. Do contact me at 93375051 for a free and non obligatory discussion on this.
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