If I refinance my property, is the legal fee payable by cash or CPF

When you refinance your property in Singapore, the legal fees can typically be paid using either cash or your CPF Ordinary Account (OA), depending on your bank’s policy and the law firm's arrangements. For most refinancing cases—whether for HDB or private properties—you are allowed to use your CPF OA to pay the legal fees in full. Alternatively, you can choose to pay by cash if you prefer.

For properties that have already been completed, you may pay legal fees first in cash and subsequently seek reimbursement from your CPF account, or in some cases, pay directly using CPF without the need for upfront cash. If you are utilizing a bank loan (rather than an HDB loan), you will usually appoint an external law firm, and you should check with them directly to confirm CPF payment procedures as practices can vary slightly between law firms.

Do note that some banks provide subsidies for legal fees when you refinance, especially if your outstanding loan amount meets certain thresholds. Be sure to check with your refinancing bank and law firm to understand the exact payment process and eligibility for fee subsidies.