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There are a number of factors that are considered, some of which you have already pointed out.

This article below from CPF website explains:
https://www.cpf.gov.sg/service/article/how-much-cpf-savings-can-i-use-for-my-property-purchase

There's also a calculator you can use on CPF website to compute.

Kay Cloud
The Harvard Educated Agent
Propnex Realty Pte Ltd
cloud@propnex.com
Tel: (+6.5.) 8.5.6.7.4.5.8.5
Whatsapp -> https://wa.me/6585674585 Read More

Base on the above scenario, no, you are unable to fully use CPF OA to service the loan. Read More

Hi

If the balance lease does not last the youngest buyer till 95 years old, the valuation limit will be pro-rated accordingly based on a formula set out by CPF board, as a percentage of the valuation. This means once CPF OA usage hits that limit, no further CPF OA can be used for repayments.

https://www.cpf.gov.sg/member/tools-and-services/calculators/cpf-housing-usage

You can use the above calculator to calculate.

Once the limit is reached, future repayments have to be in cash.

Hope the above clarifies. I am well-versed with HDB and private property transactions, having helped more than 100 homeowners transit smoothly with their housing plans. Please reach out to me at 97432395  for a more in-depth discussion :)

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Hi,

1)There are in general 4 factors that affect the amount of CPF usage in property:
(a) Remaining lease of the property (youngest age of owner + remaining lease >=95)
(b) Type of property (New or resale)
(c) Loan Type (Bank or HDB)
(d) Whether it's your first or subsequent property (2nd and subsequent)

2) Ideally the property's remaining lease + youngest age of buyer >= 95. Means the property can cover the youngest owner until age 95.
(a) For BTO/SBF using HDB loan can use OA savings to pay the flat loan in full, inclusive of interest generated throughout the loan tenure.
(b) For resale using HDB loan can use OA savings up to the valuation price at the time of purchase. You have to set aside your BRS before allowed to use the excess OA to pay for the interest generated.

3) Assuming fulfilling (2) 95 rule but using bank loan:
(a) For BTO/SBF, can use up to another 20% of the valuation price of the property at the time of purchase. You have to set aside your BRS before allowed to use the excess OA to pay the interest generated. Otherwise, you will have to use cash instead of the OA.
(b) For resale, OA saving can only can cover the valuation (LTV) of the property at the time of purchase. Have to set aside your BRS before able to pay for another 20% above the valuation. Any remaining loan payments must be in cash.

4) For 2nd and subsequent property:
(a) Buyer has to set aside BRS when owning a property that last till age 95. Excess amount in OA can be utilized to pay for the property according to bank loan rules stated in (3).
(b) Buyer has to set aside FRS when not owning a property that last till age 95. Excess amount in OA can be utilized to pay for the property according to bank loan rules stated in (3).

All The Best!!!

Hope the above answers your main concerns, but if there are more queries, please feel free to contact me at 90110636  , or email: ling.ck7@gmail.com if more information is needed.
I'll be glad to assist.

Best regards
Ling CK
 90110636 
ling.ck7@gmail.com
https://www.linkedin.com/in/ckling/
https://agents.huttonsgroup.com/R056727F/

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Good day to you.

Although your CPF funds are sufficient to fully finance the purchase, CPF guidelines impose restrictions due to the remaining lease not extending long enough to cover the youngest co-owner until they turn 95 years old. As a result, the CPF funds available for both the down payment and monthly payments are determined proportionally based on the remaining lease of the property being acquired.

It might be advantageous to have an in-depth discussion about this with your agent and consider possible alternatives.

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Mike Lim
 96929209 
R026708F
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ERA Read More

it’s important to understand the CPF limits for servicing your HDB loan.

Here’s the key info:
• You can use your CPF OA to service your HDB loan but only up to the property’s valuation limit.
• The valuation limit is usually the lower of the purchase price or market value, so in your example, about $600,000.
• However, there is a cap on CPF usage based on the property’s remaining lease and your age — because CPF wants to ensure funds last for retirement.
• For flats with a lease below 60 years, the CPF usage is prorated based on how long you can use the property until age 95 (youngest buyer’s age). If the lease is too short, your max CPF usage drops.
• Also, CPF won’t allow you to use more than the loan-to-value (LTV) ratio limit on your loan amount — for HDB loans, typically up to 90% LTV, but your example mentions 57%, so your loan is smaller and CPF usage is capped accordingly.

In practice:
You likely cannot fully rely on CPF OA to service the entire monthly mortgage, especially if the lease is short and valuation limits come into play. You’ll need to supplement with cash for monthly payments once CPF max usage is hit.

Some agents may overlook explaining these nuances, so good you’re checking. Always best to run a CPF usage simulation with HDB or CPF Board to see your exact limits.

If you want, I can help you run the numbers or advise on financing strategies to avoid surprises.

Aren Goh | PropNex | 96576701  Read More

Here’s a rephrased version in a simplified, clear, and friendly 3-point format using a different style and vocabulary:

---

1. If the **flat’s lease doesn’t cover the youngest buyer until age 95**, CPF will set a **cap on how much of your CPF OA can be used**, based on a formula tied to the property's value.

2. Once that **usage limit is reached**, you’ll need to **switch to cash** for monthly loan repayments—**CPF OA cannot be used beyond that point**.

3. You can check your specific limit using the **CPF Housing Usage Calculator** here:
[CPF Calculator](https://www.cpf.gov.sg/member/tools-and-services/calculators/cpf-housing-usage)

“Plans are nothing; planning is everything.” — Dwight D. Eisenhower
WhatsApp me at: ABLE Toh (65) 9856-9255  or through this link.:https://wa.me/6598569255

----------------------------888--------------------------------888--------------------------->>>

(1) "If you need more assistance with property matters:

like renting / selling, buying / or investing, I'm here to help!

WhatsApp me at: ABLE Toh (65) 9856*9255 or through this link.:https://wa.me/6598569255

(Unfortunately, this platform doesn't allow direct contact, but you can easily reach me )

(2) (***) ✅✅ You can READ my REVIEWS here:

✅✅ https://www.propertyguru.com.sg/agent/able-s-k-toh-61591.

(3) ✅✅ For PRIVATE Home Buyers, I offer solutions for sourcing resale and new PRIVATE homes at ✅✅ ZERO charge (Because Most PRIVATE seller Agent are willing to share commission with Buyer Agent)

*** You can reach me at my Singapore mobile: (65) 9856 9255  or email me at Able.selling@gmail.com.

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O6.Margaret Drive GLS – Margaret Drive, D3 | RCR | ~5 min to Queenstown MRT (EWL)

QUOTE OF THE DAY " In negotiations, the most important thing is not to win or lose, but to find a solution that is mutually beneficial." Read More

1. If the **flat’s lease doesn’t cover the youngest buyer until age 95**, CPF will set a **cap on how much of your CPF OA can be used**, based on a formula tied to the property's value.

2. Once that **usage limit is reached**, you’ll need to **switch to cash** for monthly loan repayments—**CPF OA cannot be used beyond that point**.

3. You can check your specific limit using the **CPF Housing Usage Calculator** here:
[CPF Calculator](https://www.cpf.gov.sg/member/tools-and-services/calculators/cpf-housing-usage)

“Plans are nothing; planning is everything.” — Dwight D. Eisenhower
WhatsApp me at: ABLE Toh (65) 9856-9255  or through this link.:https://wa.me/6598569255

----------------------------888--------------------------------888--------------------------->>>

(1) "If you need more assistance with property matters:

like renting / selling, buying / or investing, I'm here to help!

WhatsApp me at: ABLE Toh (65) 9856*9255 or through this link.:https://wa.me/6598569255

(Unfortunately, this platform doesn't allow direct contact, but you can easily reach me )

(2) (***) ✅✅ You can READ my REVIEWS here:

✅✅ https://www.propertyguru.com.sg/agent/able-s-k-toh-61591.

(3) ✅✅ For PRIVATE Home Buyers, I offer solutions for sourcing resale and new PRIVATE homes at ✅✅ ZERO charge (Because Most PRIVATE seller Agent are willing to share commission with Buyer Agent)

*** You can reach me at my Singapore mobile: (65) 9856 9255  or email me at Able.selling@gmail.com.

***(4) ✅ ✅ ✅ DEVELOPER SALES TEAM!!! BEST PRICES !!! ✅ ✅ NO AGENT FEES !! ✅ ✅ LOWEST PRICE GUARANTEED!!!

*** Connect Singapore Line: (65) 9856*9255

FOR : UPDATED INFO / E- BROCHURE / FLOOR PLAN / PRICE LIST!!!

NEW Launches Condominium in 2025 , call , whatsapp me FOR BEST CHEAPEST, LOWEST PRICE:

NORTH Region //

N1.Springleaf Residence – Upper Thomson Road, D26 | OCR | ~3 min to Springleaf MRT (TEL)

N2.Artisan 8 – Sin Ming Road, D20 | RCR | ~4 min to Upper Thomson MRT (TEL)

N3.Canberra Crescent Residences – Canberra Crescent, D27 | OCR | ~6 min to Canberra MRT (NSL)

SOUTH Region //

S1.UpperHouse @ Orchard – Orchard Boulevard, D10 | CCR | Direct link to Orchard Boulevard MRT (TEL)

S2.Zion Residences – Zion Road, D9 | CCR | ~4 min to Great World MRT (TEL)

S3.Promenade Peak – Zion Road, D9 | CCR | ~5 min to Havelock MRT (TEL)

S4.Robertson Opus – Unity Street, D9 | CCR | ~7 min to Fort Canning MRT (DTL)

S5.River Green – River Valley Road, D9 | CCR | ~5 min to Great World MRT (TEL)

EAST Region //

E1.Arina East Residences – Tanjong Rhu Road, D15 | RCR | ~3 min to Katong Park MRT (TEL)

E2,Amber House – Amber Gardens, D15 | RCR | ~10 min to Tanjong Katong / Marine Parade MRT (TEL)

E3.Mori @ Guillemard – Guillemard Road, D14 | RCR | ~8 min to Mountbatten MRT (CCL)

WEST Region //

W1.LyndenWoods – Science Park Drive, D5 | RCR | ~5 min to Kent Ridge MRT (CCL)

W2,Bloomsbury Residences – Media Circle, D5 | RCR | ~8 min to one-north MRT (CCL)

W3.Faber Walk GLS – Faber Walk, D5 | RCR | ~10 min to Clementi MRT (EWL)

W4.Elta Condo (Clementi Ave 1) – Clementi Avenue 1, D5 | RCR | ~10 min to Clementi MRT (EWL)

OTHERS / OCR Launches //

O1.One Marina Gardens – Marina Gardens Lane, D1 | CCR | ~2 min to Marina South MRT (TEL)

O2.W Residences Marina View – Marina View, D1 | CCR | ~2 min to Shenton Way MRT (TEL)

O3.Otto Place EC – Plantation Close, D24 | OCR | ~6 min to Tengah Park MRT (JRL)

O4.The SEN – De Souza Avenue, D21 | OCR | ~8 min to Hillview MRT (DTL)

O5.Skye at Holland – Holland Drive, D10 | CCR | ~6 min to Holland Village MRT (CCL)

O6.Margaret Drive GLS – Margaret Drive, D3 | RCR | ~5 min to Queenstown MRT (EWL)

QUOTE OF THE DAY " In negotiations, the most important thing is not to win or lose, but to find a solution that is mutually beneficial." Read More