CPF Withdrawal Limits for Property: Homejourney 2026 Guide

CPF withdrawal limits for property in Singapore cap how much Ordinary Account (OA) savings you can use for downpayments and monthly repayments at 100% for HDB flats and 80% for private properties. These rules from CPF Board protect your retirement while enabling homeownership. Homejourney verifies these limits to help you buy safely without surprises.

This cluster focuses on CPF withdrawal limits as part of our pillar guide on CPF and mortgage strategies. Use it for tactical steps on maximizing CPF for property while staying within MSR/TDSR rules. At Homejourney, we prioritize transparency so you make trusted decisions.

HDB Flat Purchases: Generous CPF OA Limits

First-time HDB buyers under 55 can withdraw up to 100% of the purchase price from CPF OA if the flat's remaining lease matches or exceeds 20 years beyond your 55th birthday. For a 35-year-old buying a S$500,000 Punggol resale HDB with 70-year lease, full CPF OA covers the price if your balance allows[1].

BTO flats limit CPF to the 20-25% downpayment, fully payable via OA without cash. Monthly HDB loan repayments via CPF follow the Mortgage Servicing Ratio (MSR): max 30% of gross income. Earning S$8,000 monthly? Your CPF OA monthly cap is S$2,400 for servicing[1].

Actionable step: Check your OA balance and lease match via CPF portal. Use Homejourney's mortgage calculator at https://www.homejourney.sg/bank-rates#calculator to confirm MSR fit instantly with Singpass.

Private Property: Stricter 80% CPF Caps and TDSR

For condos and ECs, CPF OA withdrawal for downpayments is limited to 80% of valuation or purchase price, whichever lower. A S$1.2M condo valued at S$1.1M by banks allows S$880,000 CPF OA max[1]. Total Debt Servicing Ratio (TDSR) caps all debts at 55% of income.

Compare CPF vs cash monthly: CPF OA covers repayments up to TDSR limit, earning accrued interest (currently 2.5%+). Cash uses post-tax income, no interest gain. For S$5,000 monthly payer, CPF servicing saves thousands long-term[1]. See our related article: CPF vs Cash for Mortgage: Which is Smarter | Homejourney .

Homejourney tip: View DBS, OCBC, UOB rates at https://www.homejourney.sg/bank-rates to pair optimal CPF use with best loans.

Age 55+ Rules: RA Set-Aside and Property Pledging

At 55, set aside Full Retirement Sum (FRS) of S$220,400 in RA before withdrawals[1][2]. Withdraw min S$5,000 from OA regardless[2][3]. Property owners pledge outstanding lease to age 95+ to withdraw RA excess down to Basic Retirement Sum (BRS) S$110,200[1].

Example: 56-year-old with S$300,000 RA and Toa Payoh HDB (lease to 2100) pledges to free S$189,800 for renovations or refunds[1][7]. OA excess transfers to RA first.

Insider tip: Time withdrawals post-55 for property upgrades. Homejourney connects you to verified brokers for seamless CPF-mortgage planning.

Daily and Monthly Practical Caps on CPF Withdrawals

Online daily limit is S$50,000; plan big downpayments over days or via bank GIRO (up to 7 days processing)[1][5]. No monthly cap beyond OA balance and MSR/TDSR, but banks enforce limits[1].

CPF monthly mortgage example: S$4,000 income allows S$1,200 OA transfer monthly under MSR. Track via CPF app; activate PayNow for faster funds[2].

Optimize with strategies from our guide: 5 Strategies to Optimize Your Mortgage with CPF | Homejourney . Compare CPF loan repayment vs cash on Homejourney.

Step-by-Step: Maximize CPF for Property Purchase

1. Verify eligibility: Log into CPF Retirement Dashboard for OA/RA projections[5].
2. Check property fit: Ensure lease >20 years post-55 via HDB/URA sites.
3. Calculate limits: Use Homejourney calculator at https://www.homejourney.sg/bank-rates#calculator for MSR/TDSR.
4. Apply CPF: Submit via CPF portal; link to lawyer for downpayment.
5. Service monthly: Set GIRO for CPF OA auto-debit up to limit.
6. Monitor rates: Refinance via Homejourney's multi-bank apply with Singpass.

Disclaimer: Rules per CPF Board 2026; consult advisor for personal cases. Homejourney verifies data for trust.

Homejourney Tools for Safe CPF Property Decisions

Compare rates from DBS, OCBC, UOB, HSBC, Standard Chartered at https://www.homejourney.sg/bank-rates. Auto-fill apps via Singpass for CPF data. Search budget-fit properties at https://www.homejourney.sg/search.

Read pillar: CPF & Mortgage Strategies. Related: CPF Monthly Mortgage Payments: Pros, Cons & Homejourney Guide .

FAQ: CPF Withdrawal Limits for Property

Q: What's the CPF withdrawal limit for first-time HDB buyers?
A: 100% of price from OA if lease >20 years post-55[1]. E.g., S$600,000 Tampines resale for 40-year-old fully CPF-funded.

Q: Private property CPF limit?
A: 80% of lower valuation/purchase price, post-TDSR[1].

Q: Age 55 CPF withdrawal with property?
A: Min S$5,000 OA; pledge property to drop RA to BRS S$110,200[1][2].

Q: CPF OA monthly mortgage cap?
A: MSR 30% income for HDB; TDSR 55% for private[1].

Q: Daily CPF limit for downpayment?
A: S$50,000 online; use GIRO for larger[1].

Maximize your CPF safely with Homejourney. Start at https://www.homejourney.sg/bank-rates for rates, calculator, and applications. Link back to pillar for full CPF guide.

References

1. Singapore Property Market Analysis 1 (2026)
2. Singapore Property Market Analysis 2 (2026)
3. Singapore Property Market Analysis 3 (2026)
4. Singapore Property Market Analysis 7 (2026)
5. Singapore Property Market Analysis 5 (2026)