SURRENDER FLAT BEFORE MOP

can i know do is it true HDB TAKES 95% of flat valuation? so means: flat value 95% ( market rate nw) - hdb loans - 1st timer grant - cpf from day one we put?? if there is shortfall, do cpf still ask couple to top up?? can advise me

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Home Just Dads i know true hdb takes 95 flat valuation means flat value 95 market