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CPF Housing Usage

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CPF Housing Usage

Using CPF for Property

Your CPF Ordinary Account (OA) savings can be used for:

  • Downpayment on HDB flats and private properties

  • Monthly mortgage repayments

  • Stamp duty and legal fees

    • Withdrawal Limits

    For HDB Flats

    Flat TypeValuation Limit
    New HDB (BTO)Full purchase price
    Resale HDBLower of purchase price or valuation

    For Private Properties

  • Up to 100% of valuation limit for properties with remaining lease covering youngest owner to age 95

  • Prorated usage for shorter leases

    • Basic Retirement Sum (BRS) Rule

    If you're 55 or older, you must set aside the BRS before using OA for property.

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