Reader says... I hope you bear with me while I share the info about it - resale flat was purchased at 480k and I got a hdb housing grant of 50k for 1st timer. My fiancee and myself went for a bank loan instead of hdb loan. The loan principle I have to service is 384k. I would really appreciate your advice/guidance to my following questions: a. I thought of repaying my housing loan using cash instead of cpf. I think this is still manageable from my side from a cash liquidity perspective since I could save on the chargeable accrued interest (at the point of future flat sale) and at the same time continue to earn the 2.5% int. What do you think about this approach in terms of pros/cons? b. I took the housing grant of 50k which I know will be charged accrued interest ......