Originally Posted by Unregistered

I think it depends on whether you intend to invest your spare cash and the returns that you are confident of getting from investing. If you can get returns above what CPF is giving, 2.5%, I think you should use CPF to service your mortgage. If I were you, I would use some of the cash to pay down some of the loan (I'm risk-averse) and use CPF to service the reduced mortgage payments.