CPF Usage

CPF Usage — 1st & 2nd Property

CPF for 1st Property Purchase

Step-by-Step

1
PROPERTY LEASE > 20 years
NO → No CPF usage
YES (continue)
2
Lease covers youngest buyer to age 95?
NO → Max CPF usage capped % of VL
YES (continue)
3
Use CPF to pay up to V.L.
Next
4
Age < 55: OA+SA ≥ BRS?
Age ≥ 55: OA+SA+RA ≥ BRS?
NO → No more CPF withdrawal
YES (continue)
5
Set aside BRS. Use CPF to pay up to W.L.

Quick guide—confirm specifics with the latest CPF Board rules.

CPF for 2nd Property Purchase

Decision Matrix

Remaining lease of any one property (owned or purchasing) covers the youngest buyer till age 95?
NO
Age < 55 Set aside FRS in OA+SA
Excess OA can be used
Age ≥ 55 Set aside FRS in RA+OA+SA
Excess OA can be used
YES
Age < 55 Set aside BRS in OA+SA
Excess OA can be used
Age ≥ 55 Set aside BRS in RA+OA+SA
Excess OA can be used
Get a CPF Usage Check Free 10-minute consult: VL/WL, BRS/FRS set-asides, and cash vs CPF plan.

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