I'm so glad that I'm self-employed and don't contribute to CPF. And I have only about $500+ in my CPF account, which is mostly topped up by the govt. Everything was dumped into my flat, which is fully paid up and I'll probably stay till I say sayonara to this world. No need to reimburse anything back to CPF. I still owe Medisave about $40K+, which I'm currently paying by monthly installments at $160 a month. No choice have to pay as otherwise they'll create problems for me in my business. Anyway, I have already made my nomination. So it's ok.