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What is the CPF Housing Scheme?

The CPF Housing Scheme enables CPF members to use only their CPF Ordinary Account (OA) savings to: 

  • Buy Housing and Development Board (HDB) flats
  • Buy or build private residential properties in Singapore

It's important to keep in mind that your Special Account (SA) and Retirement Account (RA) savings are intended to provide you with a source of  income during retirement and cannot be used for purchasing a flat or any other property.