See exactly how much CPF OA you can use for housing downpayment and monthly mortgage, plus the 2.5% accrued interest you must refund on sale.
You can use CPF OA for housing — both downpayment (up to 15% of price, after 5% cash minimum) and monthly mortgage service. No cap on the amount, but you must refund principal + 2.5% accrued interest to OA on sale.
Both HDB and bank loans require 5% of the property price in CASH (not CPF OA) for the downpayment. The remaining 15% (HDB) or 20% (bank) of the downpayment can come from CPF OA.
You can use CPF OA to pay monthly mortgage instalments, subject to your OA balance. Each month's OA contribution accrues 2.5% interest from the day it's withdrawn.
On sale, you must return the OA principal + 2.5% accrued interest (compounded monthly) to your OA. If sale proceeds are insufficient, the shortfall must be paid in cash. This protects your retirement savings.
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No — you still earn 2.5% on the withdrawn amount (accrued interest), but it must be refunded to OA on sale. The trade-off: your OA has less principal compounding for retirement during the years you own the property.
Yes for the downpayment (up to 15%). Monthly service is allowed for HDB and bank loans. For private property under the Public Scheme, monthly service from OA is allowed but you must have sufficient OA balance.
You still must refund the OA principal + 2.5% accrued interest. If sale proceeds + cash cannot cover this, the shortfall affects your retirement. Plan carefully and consider the HDB Concessionary Loan's lower 2.6% rate.
Currently 2.5% p.a. (compounded monthly). CPF Board reviews rates quarterly but the 2.5% has been stable since 2024.