I  have informed the bank that I will pay up in full when my HDB loan reaches the end of its lock-in period end this year. While previously they took only a short time to approve my loan, I have to inform them 3 months in advance. This is a milestone target for me in 2014.My outstanding HDB housing loan will dip below $100K, making it impossible for further re-financing with the bank. I am planning to pay off the remaining HDB loan by the combination of the followings: 1. Matured endowment policy - 21-years ago when I started this endowment policy, it looked like a substantial sum of money at maturity.  However, possibly due to inflation or perception changes, it doesn't feel like a windfall now.  Haha.  2. Central Provident Fund (CPF) - I will put some of this money into good use.  After ......