Good day Madam Nancy Tan 
Sorry to inform you not able to raise cash from your hdb even if it is fully paid . 
Only way to raise cash is to sell your hdb , profits if any = your cash . However , this move is not advisable and can be costly and inconvenient , costs such as agent fees , stamp duty payable to government , renovation if any , legal fees for paperwork , taking on a new housing loan ( please Check if you are eligible before hand ) . 
Kindly contact me for a no obligations chat for your property needs . 
My charges are1% commission for exclusive selling rights to your hdb ( 1 agent only ) , or 2% for open listing ( more than 1 agent ) 
Joanne chia
 Chia_joanne@yahoo.com.sg
 Hp 
8333 3327 
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