Central Provident Fund Act
(Chapter 36, Section 77(1)(h))
Central Provident Fund
(Ministry of Defence Housing Scheme)
Regulations
Rg 13
G.N. No. S 21/1987

REVISED EDITION 1998
(1st January 1998)
[1st February 1987]
Citation
1.  These Regulations may be cited as the Central Provident Fund (Ministry of Defence Housing Scheme) Regulations.
Definitions
2.  In these Regulations, unless the context otherwise requires —
“Minister for Finance” means the Minister for Finance incorporated under the Minister for Finance (Incorporation) Act (Cap. 183);
“Ministry of Defence Housing Scheme” means any scheme approved by the Minister for the purchase of flats by officers of the Singapore Armed Forces;
“officer” has the same meaning as in the Singapore Armed Forces Act (Cap. 295).
Withdrawal of moneys for purchase of flat
3.  Where an application has been made by an officer to purchase a flat under the Ministry of Defence Housing Scheme and such application has been approved by the Government, the Board may, on the application of the officer and subject to such terms and conditions as the Board may impose, authorise the whole or part of the amount standing to his credit in the Fund to be withdrawn from the Fund and used for the payment of the whole or part of the purchase price of the flat.
Withdrawal for payment of monthly instalments
4.  Where the officer is required by any agreement under the Ministry of Defence Housing Scheme to pay monthly instalments of principal and interest on account of the purchase of such flat, the Board may, on the application of the officer and subject to such terms and conditions as the Board may impose, authorise the whole or part of the amount standing to his credit in the Fund to be withdrawn from the Fund and used for the payment of such monthly instalments.
Authorisation to pay whole or part of amount to Government or Minister for Finance
5.  Where an officer has made an application to purchase a flat under the Ministry of Defence Housing Scheme and has obtained a housing loan from the Government or the Minister for Finance to finance the purchase of the flat, the Board may, on the application of the officer and subject to such terms and conditions as the Board may impose, authorise the whole or part of the amount standing to his credit in the Fund to be withdrawn from the Fund and paid to the Government or the Minister for Finance for the repayment of such housing loan.
Withdrawal of spouse’s contribution for payment of purchase price
6.  Where a flat under the Ministry of Defence Housing Scheme is to be purchased in the joint names of an officer and his spouse who is also a member of the Fund, the Board may, on the application of the spouse and subject to such terms and conditions as the Board may impose, authorise the whole or part of the amount standing to the credit of the spouse in the Fund to be withdrawn from the Fund and used for the payment of the whole or part of the purchase price of the flat.
Loan by Government to member
6A.—(1)  Where the Board has, on or after 1st March 1999, credited into the ordinary account of any member moneys lent by the Government to the member pursuant to any approved loan scheme under section 14A of the Act, the Board may —
(a)on the application of the member; or
(b)if it considers necessary,
and subject to such terms and conditions as it may impose, permit the member to withdraw such moneys for payment of the monthly instalments of principal and interest towards any housing loan which the member has obtained from the Government or the Minister for Finance to finance the purchase of a flat under the Ministry of Defence Housing Scheme.
(2)  The total amount which a member may withdraw under paragraph (1) to pay such monthly instalments shall be determined by the Board.
[S 89/99 wef 01/03/1999]
Use of money in special account for payment of housing loan
6B.—(1)  Where a member, as owner of a flat purchased under the Ministry of Defence Housing Scheme, is liable to pay, on or after 1st February 1999, the monthly instalments of principal and interest towards a housing loan which has been obtained by him from the Government or the Minister for Finance to finance the purchase of the flat, the Board, with the approval of the Minister, may —
(a)on the application of the member; or
(b)if it considers necessary,
and subject to such terms and conditions as it may impose, authorise the whole or part of the amount standing to the credit of the member in his special account with the Fund to be withdrawn by him for the payment of such monthly instalments.
(2)  The total amount which a member may withdraw under paragraph (1) to pay such monthly instalments shall be determined by the Board.
[S 89/99 wef 01/02/1999]
Withdrawal of moneys for specified purposes
7.  Where an application for withdrawal of money under these Regulations has been approved by the Board and the officer and his spouse or either of them are or is required to pay any stamp duties, fees and charges (excluding the monthly conservancy and service charges and all rates, taxes and other charges imposed in respect of the flat) in connection with the purchase of the flat or the withdrawal of money under these Regulations or the creation of a mortgage on the flat in favour of the Government or the Minister for Finance or the discharge of such mortgage, the Board may, on the application of the officer and his spouse or either of them and subject to such terms and conditions as the Board may impose, authorise the whole or part of the amount standing to their credit in the Fund or the amount standing to the credit of each of them in the Fund to be withdrawn and used for all or any of the aforesaid purposes.
Moneys to be paid to certain recipients
8.  All moneys withdrawn under these Regulations shall be paid by the Board to the Government, the Minister for Finance or such other person as the Board thinks fit to receive such moneys.
Restriction on resale
9.  An officer who has withdrawn any money under these Regulations for the purchase of a flat or for the repayment of a housing loan shall not, without the prior written permission of the Board, sell, mortgage, transfer, assign the flat or execute a mortgage in respect of the flat in favour of any person other than the Board, the Government or the Minister for Finance, or any one or more of them.
Moneys withdrawn to be repaid to Board in certain circumstances
10.  Subject to regulation 11, all moneys withdrawn under these Regulations together with any interest that would have accrued thereto if the withdrawal had not been made shall become due and payable to the Board on the occurrence of any of the following events:
(a)if the officer cancels his application to purchase the flat under the Ministry of Defence Housing Scheme;
(b)if the flat or any estate or interest therein is sold, transferred, assigned or otherwise disposed of by the officer or by any person with or without the prior written consent of the Board;
(c)if the flat or any interest therein is sold, transferred, assigned or otherwise disposed of by the Government or the Minister for Finance;
(d)if any mortgage or encumbrance is created over the flat without the prior written consent of the Board; and
(e)if the officer has committed a breach of any of the terms and conditions imposed by the Board in connection with the withdrawal of moneys under these Regulations.
Regulations 9 and 10 not to apply in certain circumstances
11.  Subject to section 15A of the Act , regulations 9 and 10 shall not apply where all moneys withdrawn by an officer from the Fund have been repaid to the Board or where the officer is entitled to withdraw the moneys under section 15 of the Act.
Resale permitted subject to approval
12.  The Board may, in its discretion and subject to such terms and conditions as it may impose, permit an officer who has withdrawn money under these Regulations to sell, transfer, assign or otherwise dispose of the flat or any of his estate or interest therein in respect of which such withdrawal has been made to any person subject to the approval of the Government or the Minister for Finance and if the Board is satisfied that adequate arrangements have been made to secure the repayment to the officer’s account in the Fund of —
(a)all moneys withdrawn by him, and of such interest as would have accrued thereto if the withdrawal had not been made; or
(b)the net proceeds of the sale of the flat after deduction by the Government or the Minister for Finance or both of the amount due or owing to the Government or the Minister for Finance or both,
whichever is the less.
Application to be made in writing
13.—(1)  An application under these Regulations shall be made in writing to the Board in such manner as the Board may direct.
(2)  An applicant shall furnish to the Board such information, documents and guarantees as the Board may require.
Regulations to apply to co-purchaser
14.  These Regulations where applicable shall apply, with the necessary modifications, to the application of the officer’s spouse who is a co-purchaser of a flat under regulation 6.
[G.N. Nos.S21/87; S33/87]