CPF Withdrawal Limits for Property Guide

CPF withdrawal limits for property in Singapore cap your Ordinary Account (OA) usage for down payments and monthly installments based on property type, lease length, owner ages, and loan type, ensuring retirement savings are protected.

This Homejourney cluster article dives into these limits, part of our comprehensive CPF for home loan pillar guide. We verify rules from CPF Board and HDB sources to prioritize your safety and trust in property decisions.

Why CPF Withdrawal Limits Matter for Singapore Buyers

Understanding CPF Withdrawal Limits for Property Guide essentials prevents overcommitment of retirement funds. For 2026, the Full Retirement Sum (FRS) is $213,000, Basic Retirement Sum (BRS) $106,500, and Enhanced Retirement Sum (ERS) $426,000 for those turning 55[1][2].

These limits apply whether you're a first-time buyer eyeing a Punggol BTO or an upgrader buying a resale HDB in Bukit Merah. Short leases (under 20 years at age 55) restrict or block CPF use, pro-rated otherwise to age 95[1]. Homejourney's tools help you check limits instantly for confident buys.

Core CPF Withdrawal Rules for Housing

You can use CPF OA property savings up to 100% of the HDB purchase price for down payments (after 5% cash) and monthly repayments if the lease covers the youngest owner to age 95[1][2]. For private properties like condos, limits tie to valuation, bank loan quantum (up to 80%), and Total Debt Servicing Ratio (TDSR)[2].

HDB loans allow fuller CPF usage versus bank loans, but all must meet Mortgage Servicing Ratio (MSR) for HDB or TDSR for private properties. Insider tip: Check lease details on HDB portal before viewing flats near Tampines MRT (5-min walk from Exit A)—longer leases maximize CPF housing flexibility[1].

Limits by Property Type

HDB Flats (New BTO): Full OA for 20-25% down payment and installments if lease to age 95. Example: $500,000 flat needs $100,000 down (use $95,000 CPF post-5% cash)[1][2].
HDB Resale: Up to 100% of price from OA if lease >20 years at age 55. Geylang 4-room with 60-year lease for 30-year-old buyer: Full access[1].
Private Condos: OA up to valuation minus loan; stricter for short leases. Kallang condo? Verify age-adjusted usability[2].

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

Age 55+ CPF Withdrawal Limits with Property

At 55, withdraw $5,000 OA unconditionally, plus excess Retirement Account (RA) if you own a qualifying property with lease to age 95 and sufficient expected CPF refund from sale[3][4][5]. For 2026 FRS $213,000, if RA principal is $150,000, withdraw up to $63,000[1].

Conditions: Completed property, lease lasts to 95, property equity covers FRS shortfall. Daily online limit: $50,000[2]. This links to use CPF for mortgage strategies—service payments via OA until depleted, then hybrid cash[1]. Homejourney verifies these for safe retirement planning.

Practical Calculation Example

Scenario: 58-year-old with $600,000 Bedok condo (lease to 95), RA $250,000. Set aside FRS $213,000; withdraw $37,000 excess for CPF down payment or other needs[1][6]. Monthly: Use OA for $3,000 mortgage from DBS or OCBC—compare rates on Homejourney's bank rates page at https://www.homejourney.sg/bank-rates.

Another: 35-year-old Punggol BTO $600,000. Full $150,000 down from OA; monthly $2,800 OA-serviced (MSR-compliant on $8,000 income)[2]. Pro-rated short lease (50 years at 35): ~77% usable[1].

Using CPF for Mortgage Payments: Key Tips

CPF for home loan covers monthly installments up to your OA accrual, post-TDSR/MSR. Prefer CPF over cash as it earns up to 4% interest—see our related guide CPF vs Cash for Mortgage CPF vs Cash for Mortgage: Which is Smarter? Homejourney Guide .

Actionable steps:

Log into CPF.gov.sg to view OA balance and limits.
Use Homejourney's calculator for affordability with Singpass/MyInfo auto-fill.
Apply to multiple banks (DBS, OCBC, UOB, HSBC) via https://www.homejourney.sg/bank-rates for best rates.
Filter properties on https://www.homejourney.sg/search matching your CPF budget.

Disclaimer: Rules per CPF Board (2026); not financial advice. Consult Homejourney mortgage brokers for personalized guidance[1][3].

FAQ: CPF Withdrawal Limits for Property

What are CPF withdrawal limits for HDB purchase?
Up to 100% of price from OA if lease >20 years at 55 and to age 95; pro-rated otherwise[1][2].

Can I use CPF OA for private property mortgage?
Yes, for down payments and monthly repayments up to OA balance, post-TDSR and lease checks[2].

How much CPF at age 55+ with property?
$5,000 minimum OA, plus RA excess above BRS/FRS if lease to 95 and refund expected[3][4][6].

What if property lease is short?
Zero CPF if under 20 years; pro-rated to age 95 equivalent, e.g., 77% for 50-year lease at 35[1].

Where to check my CPF limits safely?
CPF portal or Homejourney's verified tools at https://www.homejourney.sg/bank-rates for instant, secure insights.

Master CPF Withdrawal Limits for Property Guide with Homejourney. Explore our full CPF & Mortgage pillar, compare rates from DBS, OCBC, UOB and more, or search properties at https://www.homejourney.sg/search. Your trusted partner for safe Singapore property journeys.