只有要卖房子才需要去算这个Accrued interest is the interest amount that you would have earned if your CPF savings had not been withdrawn for housing. The interest is computed on the CPF principal amount withdrawn for housing on a monthly basis (at the current CPF Ordinary Account interest rate) and compounded yearly. Interest will accrue on the amount of CPF savings that you have used for your property. You are required to refund the accrued interest together with the CPF principal amount withdrawn when you sell, transfer or dispose your property. What happens to the deceased member's property bought using his CPF savings? The CPF savings used to buy the property need not be refunded to the deceased member’s CPF account. The property will form part of his estate if it is held in tenancy-in-common or passed on to the remaining surviving owner(s) if it is held in joint tenancy. (more...)

如果去世后没人继承就不用还了

不需要啊其实这个所谓“accured interest”本身就只是个理论值，可以这么来理解，公积金里的钱本来是用于自己退休的，用来买房子和支付房贷以后，就相当于自己“欠”自己退休的钱。如果把房子卖了，就需要把这个钱还回去，用于自己退休。如果房子没卖一直住着，那么这个所谓“欠款”就是没有实际意义的了。 人去世之后，CPF里面剩余的钱，会单独处理，默认留给家人，或者按照CPF Nomination指定的受益人分配。房子会自动留给Joint Owner，或者成为遗产，和其他所有的遗产一起，进入遗产继承程序。