Today morning, me and Ms Doraemon went to HDB Hub for an appointment to pay the down-payment for our HDB BTO flat using our CPF OA savings. Zero cash outlay for the down-payment of a property in District 13 city fringe, beside an MRT station. What more can we ask for? HDB BTO flat is a property and CPF OA can be used like cash to pay a property. Who says CPF money is not money? The waiting time was more than 30 mins long but the entire transaction was smooth and took less than 30 mins. We used the Singpass mobile app to login MyHDBPage for submitting the application to use CPF OA funds for the BTO downpayment and signed some documents on joint tenancy agreement and checklist for receiving documents related to agreement of lease. "Lease" is an important word to server as a great reminder that we do not own the land nor the HDB property forever,...