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Hi Leon,

Lee is correct. Buying HDB flat and if you have sufficient CPF, you can use it to pay the stamp duty calculated as first $180k (1%), 2nd $180k (2%) and the balance (3%).
The use of cash to pay stamp duty upfront is for buying of private property and if CPF is sufficient, this will be reimbursed back to you later.

Hope this is clear now. Need any help in your pursuit for a flat purchase, do let me know.

Thanks.
TC Tan
Senior Associate Director
DWG
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