CPF Withdrawal Limits for Property Guide | Homejourney

CPF withdrawal limits for property cap how much of your Ordinary Account (OA) savings you can use for down payments and monthly installments, based on property type, remaining lease, owners' ages, and loan type.

These rules from the CPF Board protect your retirement funds while enabling homeownership.

Why CPF Withdrawal Limits Matter for Singapore Buyers

This CPF Withdrawal Limits for Property Guide is a focused cluster under Homejourney's main CPF & Mortgage pillar guide. It provides tactical advice on using CPF Ordinary Account (OA) for housing without overcommitting savings.

At Homejourney, we prioritize user safety and trust by verifying regulations from official sources like CPF Board and HDB. Understanding these limits helps first-time buyers, upgraders, and investors avoid surprises, especially with 2026 FRS at $213,000.

Whether buying a resale HDB in Bukit Merah or a condo in Kallang/Whampoa, limits ensure your property lasts to age 95 or you face pro-rated usage. Log into your CPF account or use Homejourney's tools for personalized checks.

Core CPF Withdrawal Rules for Property Purchases

CPF Board rules state: the amount you can use depends on property type (HDB vs private), remaining lease, owners’ ages, and loan (HDB vs bank).

For HDB flats, you can use CPF OA for up to 100% of down payment (after 5% cash) if the lease covers the youngest owner to at least age 95. Shorter leases trigger restrictions—no CPF if under 20 years, pro-rated otherwise.

Private properties follow similar lease rules but require minimum 5% cash down payment for bank loans. Monthly installments can use CPF OA until your balance hits retirement sums.

2025-2026 Retirement Sums Impacting Limits

Key thresholds: Basic Retirement Sum (BRS) $106,500, Full Retirement Sum (FRS) $213,000 (2026), Enhanced Retirement Sum (ERS) $426,000 for those turning 55.

If property lease reaches age 95, set aside only BRS in Retirement Account (RA) to withdraw excess. Otherwise, full FRS applies, limiting OA usage indirectly via refunds.

How Much CPF Can You Use? Common Scenarios

Here's a breakdown of typical cases Homejourney users face:

• New HDB BTO: Full CPF OA for down payment and installments if lease to age 95. Example: $500,000 flat, 20% down ($100,000)—use up to $95,000 CPF after 5% cash.
• Resale HDB (e.g., Geylang 4-room, 60-year lease): If youngest buyer age 30, lease must exceed 65 years. Pro-rated if shorter: e.g., 50-year lease allows ~77% CPF usage.
• Private Condo: CPF for 15-20% down payment (post-5% cash), full OA for installments subject to TDSR/MSR and lease rules.

Always check via CPF portal. For precise calculations, use Homejourney's mortgage eligibility calculator at https://www.homejourney.sg/bank-rates#calculator.

CPF Accrued Interest and Property Rules

CPF accrued interest earns 2.5-4% p.a. (OA up to 4% from 2025). When using CPF for property, principal + accrued interest property rules apply: interest stays in account, compounding.

Example: $250,000 principal + $50,000 accrued interest used for down payment. On sale, refund both with further accrued interest calculation (principal at 2.5%, interest at 1% extra).

CPF refund sale process: Upon sell property CPF return, proceeds repay exact amounts used + accrued interest to date of refund. Use Homejourney's bank rates page to model scenarios: https://www.homejourney.sg/bank-rates.

Practical Accrued Interest Calculation Steps

1. Log into CPF account: View OA balance split (principal vs interest).
2. Calculate usage: Principal only withdrawable; interest accrues.
3. On sale: Refund = principal used + interest to purchase date + post-purchase accrual.
4. Tip: Minimize upfront CPF to reduce future refunds—compare CPF vs cash via CPF vs Cash for Mortgage: Which is Smarter? | Homejourney .

Age 55+ Withdrawal Limits with Property

At 55, withdraw $5,000 OA unconditionally. If property lease to age 95, withdraw RA down to BRS ($106,500), expecting CPF refund sale to restore FRS.

Conditions: Age 55+, qualifying property, sufficient expected refund. For 2026 FRS $213,000, if RA principal $150,000, withdraw up to $63,000 (FRS - principal).

Insider tip: City-fringe resales like Kallang often have leases fitting this—verify via HDB portal before committing.

Actionable Steps to Maximize CPF Usage Safely

Follow this framework on Homejourney:

1. Check eligibility: CPF portal or Homejourney calculator.
2. Compare loans: View DBS, OCBC, UOB rates at https://www.homejourney.sg/bank-rates. Apply multi-bank via Singpass.
3. Model refunds: Factor accrued interest property using How CPF Accrued Interest Affects Property Sale | Homejourney .
4. Search properties: Filter by budget/lease at https://www.homejourney.sg/search.
5. Consult brokers: Homejourney connects you safely, no hard sells.

Disclaimer: Rules per CPF Board 2025-2026; consult professionals for advice. Homejourney verifies data for trust.

FAQ: CPF Withdrawal Limits for Property

What are the CPF withdrawal limits if lease is short?
Pro-rated or zero if under 20 years/age 95. E.g., 50-year lease at age 35: ~77% usable.

How is CPF accrued interest calculated on property sale?
Principal refunded at 2.5% + extra 1% on interest portion to refund date. See CPF Accrued Interest Explained: Impact on Property Sale | Homejourney .

Can I use CPF for private property down payment?
Yes, after 5% cash, up to LTV limits and lease rules.

What happens to CPF on sell property CPF return?
Full refund of used amounts + accrued interest restores OA/RA.

Where to check my limits?
CPF portal or Homejourney's free tools for instant verification.

Master CPF Withdrawal Limits for Property Guide essentials with Homejourney for safe decisions. Explore our full CPF & Mortgage pillar or calculate now at https://www.homejourney.sg/bank-rates. Your trusted partner in Singapore property.