Chris was a former regular in the SAF. In early 1993, he embarked on a sales career in the real estate industry. Today, he is the Director and Key Executive Officer of Chris International.

He holds an Advanced Certificate in Training and Assessment. He is also a Certified Profiling Trainer, equipped with the knowledge to help participants understand people around them better, and he teaches RES, CCMFP, and CPD courses.

As a veteran in the real estate industry with more than 30 years of experience, his views and comments are regularly quoted in the media.

The Central Provident fund (CPF) is a comprehensive Social Security savings plan that has provided many working Singaporeans with a sense of security and confidence for their retirement years. There are CPF housing schemes enabling CPF members to use their CPF ordinary account savings to buy private Residential Properties and HDB Flats. This lesson will look at how the CPF housing schemes including CPF calculations that salespersons must be familiar with when conducting estate agency work in relation to the code of ethics and professional client care.

Participants will have a good knowledge and understanding of the following:

1. Usage of CPF monies for purchase of private residential properties under the private property scheme;
2. Usage of CPF monies for purchase of HDB Flats on the public housing scheme;
3. The CPF monies that can be used for Residential Properties with remaining lease of less than 60 years;
4. The need to be covered under the CPF Home Protection scheme insurance if using CPF money to pay monthly instalment of HDB flat;
5. Refund of CPF monies upon the sale of a property or should a couple file for divorce.