Hi Gurus,we have cpf 281k, still owe hdb 150k. If we settle hdb full (our cpf balance 281-150 = 131k). If we plan to buy 1bedcondo (invest), must set aside cpf min 131k (65.5k.x2),rite? That means, no more available cpf (281-150-131 = 0),so we now need to fork out 20% in cash for condo deposit (assume bank loan 80%). Correct? In this case,shld we strive to settle hdb full, or cont'd paying hdb & work within 60% loan for condo? Any advise on an ideal strategy is appreciated, thanks.