CJL

Hi i am planning to use my cpf to service my monthly loan repayment to HDB. So the plan is to transfer my CPF monies to my CPF investment account, before collecting keys. My BTO flat is due 3rd quarter this year. My question is, when should i transfer the CPF money out to my investment account? Before applying for HLE or before collecting keys? Anyone care to share your experience with me? Thanks!