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I have used CPF savings for my property which the remaining lease can last me until age 95. Can I withdraw my Retirement Account savings using my property?

If your expected housing refund is enough to restore your Full Retirement Sum (FRS)

You can set aside your FRS with a mixture of property (up to half the FRS) and cash, and withdraw your Retirement Account (RA) savings down to your Basic Retirement Sum (BRS*) without pledging your property.

If your expected housing refund is not enough to restore your Full Retirement Sum

You can still choose to set aside your FRS with a mixture of property (up to half the FRS) and cash, and withdraw part of your RA savings down to your BRS* if you pledge your property.

It is important to note that the amount of RA savings you can withdraw excludes interest earned, any government grants received and top-ups to your retirement savings. It also depends on your RA balance at the point of withdrawal. For example, if you are on CPF LIFE and have started your monthly payouts, any new inflows received in your RA will be used to increase your CPF LIFE premium to provide you with higher monthly payouts, and you will not be allowed to withdraw them in a lump sum.

You can refer to the examples on whether your expected housing refund is enough to restore your Full Retirement Sum.

* Excluding interest, any government grants and top-ups made under the Retirement Sum Topping-Up Scheme.