How to Make Your HDB Pay You — Without Losing Your Home

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Thinking of selling your HDB flat to get cash? You may not need to.

In this video, I share 3 ways seniors can unlock money from their HDB — without selling. We’ll cover how renting out a room gives steady income, how the Lease Buyback Scheme (LBS) boosts your CPF LIFE payouts, and how a CPF Property Pledge lets you withdraw more cash at 55 while keeping your flat.

But it’s not one-size-fits-all. Each method has trade-offs. LBS may secure your retirement but reduce legacy. Property pledging gives flexibility now, but smaller payouts later. Renting out a room brings cash flow, but you give up some privacy.

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