Datasets
CPF Housing Usage Anchors
CPF Board anchors for Ordinary Account housing uses, excluded costs, age-95 lease coverage, and principal-plus-accrued-interest refunds on sale.
CPF Housing Usage Anchors
Narrative: cpf housing usage. Retirement sums: annual rates. These rows are not a loan-eligibility calculator.
Permitted OA uses vs common exclusions
| Category | Rule (CPF Board) |
|---|---|
| Permitted | HDB flat or eligible Singapore residential property; downpayment; purchase price; housing-loan instalments; stamp and legal fees; construction loan / vacant land (private only); Home Protection Scheme premiums (HDB only) |
| Not ordinary housing uses | Renovation; property tax; agent commission; routine service and conservancy charges |
| Accounts | Special Account, MediSave, Retirement Account are not general housing accounts |
Source: CPF — Using your CPF to buy a home, accessed 10 Aug 2026.
Lease / age-95 rule
| Condition | CPF use consequence |
|---|---|
| Remaining lease covers youngest owner to age 95 | Full use generally possible, subject to other housing limits |
| Does not cover to age 95 | Pro-rated use if lease has at least 20 years left |
| CPF illustration | Two 25-year-old buyers; 65-year remaining lease → limited to 90% of purchase price |
Source: CPF age-95 article, accessed 10 Aug 2026.
Refund on sale / transfer
| Item | Rule |
|---|---|
| Required refund | Principal withdrawn + accrued interest (including housing grants used + their accrued interest) |
| Accrued interest meaning | Interest those savings would have earned if left in CPF — not a fee to HDB/CPF/buyer |
| Shortfall after market sale | Normally refund remaining sale proceeds only; no cash top-up of shortfall required |
| Member below 55 | Refunds generally return to OA |
| Member 55+ | First top up RA to required retirement sum; balance in OA |
Source: CPF refund page, accessed 10 Aug 2026.
Record details
- Also known as
- ["CPF OA housing rules","CPF accrued interest refund","age-95 lease rule"]
- Jurisdiction
- SG
- What each row represents
- one OA housing-use, age-95 lease, or refund-mechanics rule
- Update cadence
- after CPF Board revises housing withdrawal rules
- Source format
- markdown
Dates describe this record’s own period and applicability. A verification date does not mean a rule is currently in force.
Sources
- CPF Board — Using your CPF to buy a home Accessed 2026-08-10
- CPF Board — How much CPF savings can I use for my property purchase? Accessed 2026-08-10
- CPF Board — Lease and age-95 CPF use Accessed 2026-08-10
- CPF Board — CPF refund when selling or transferring property Accessed 2026-08-10
Collection as of 2026-10-07 · An expanding collection. Published counts show available knowledge, not complete coverage of Singapore.