If I sell my 4-room HDB for $700k and my purchase price was $580k, how much do I need to put back to CPF?

When you sell your HDB flat, you are required to refund the CPF monies you used for the purchase, plus the accrued interest. Here’s how you can determine the amount:

1. CPF Refund: You need to refund the amount of CPF funds you used to purchase the flat.
2. Accrued Interest: You also need to refund the interest that would have been earned if the CPF monies had remained in your CPF account.

For example, if you used $200,000 from your CPF to buy the flat, you would need to refund this $200,000 plus the accrued interest.

Here is a simplified step to estimate this:
- Calculate the total CPF amount used for the purchase.
- Use the CPF Board's interest rate to estimate the accrued interest over the period you owned the flat.

After selling your 4-room HDB for $700,000 and considering your purchase price was $580,000, you would need to calculate the CPF refund and accrued interest based on the actual CPF amount used during the purchase.

To get an accurate figure, you should check your CPF statements or contact the CPF Board directly to determine the exact amount of CPF monies used and the accrued interest. This will ensure you comply with the CPF refund requirements when selling your HDB flat.