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Me and my wife own a hdb. She used a total of $40 k from her cpf to pay for the hdb. The rest was from my cpf. We have finish paying for the hdb. Now we r planning to buy a private condo. The minimum sum $65 k applies to both of us. If I pay back her $40k + interest back to cpf in cash would she then be still liable for this minimum sum??? Secondly, when we purchase our second property can I use her cpf which now has the $40 k as part of my 15% down payment??
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