Reader says... I have been following your blog for a few years and am grateful for the nuggets of wisdom that you post on your blog. I bought a resale HDB flat that is of the same age as me and by the time I fulfill the 5 years MOP, the remaining lease would be 59 years. In other words, I understand that there would be certain restrictions on the use of CPF for potential buyers of my flat. (See: Older HDB flats with remaining lease of less than 60 years are problematic.) However, I am not intending to sell the flat as I think the lease is sufficient and the flat is big enough. To pay for the flat, I took up a bank loan with 2 years fixed interest of 1.58% and am currently using my CPF OA to pay my monthly mortgage. I am thinking since I don't intend to sell the flat, I might as well not repay the accrued interest and ......