A minority of the homeowners have been putting up their aged Housing and Development Board (HDB) flats for sale for months (some, for years) and not getting it successfully sold, due to the general sentiment towards the old age of public housing flats. But with the recent changes in rules regarding the use of Central Provident Fund (CPF) savings and HDB loan restrictions when purchasing a flat, these sellers are now more hopeful of finding a buyer. OLD RULES REGARDING CPF USAGE AND HDB LOANS In the past, how much CPF you can use to pay for your residential property and HDB loan amount depends on the length of lease remaining on your property. OLD SCENARIO 1: If your property has a remaining lease of at least 60 years: CPF Usage: You can use your CPF up to the Valuation Limit (VL). HDB Loan: You can loan up to 90 per cent of the Loan-To-Value (LTV) Limit. OLD SCENARIO 2: If your property has a remaining lease of less than 60 years: CPF Usage: You can