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Just curious about this CPF accrued interest thingy. Assuming man and wife bought a HDB now for $500K. They fork out $250K each from CPF account to pay off the flat in full. Every year they are accumulating accrued interest 2.5% to CPF for using that $500K CPF $. 10 years later, the accrued interest (compounded) is $140K. If they sell the flat for $640K, then every cent goes back to the CPF, no cash balance left for them to pocket. But if they sell their HDB for $500K (say due to property downturn), they will still owe $140K of accrued interest to CPF. What happens then? They need to fork out $140K in cash to put in CPF? If no cash savings how? Cannot sell? Monthly installment to pay back CPF using cash?