Home ownership

Buying a home may be one of the biggest purchases you’ll make. Choose a home you can afford so that your home is fully paid up when you retire.

There are limits on the amount of OA savings you can use on your property. Use a combination of cash and OA savings to continue earning attractive interest rates on the funds in your CPF.

Safeguard the roof over your head with Home Protection Scheme (HPS), a mortgage-reducing insurance that protects you and your loved ones from losing your HDB flat in the event of death, terminal illness or total permanent disability.

You can view your Home ownership dashboard to check the amount used for your property and how much more you can use before reaching the usage limits where applicable.

You can start, adjust, or stop your current OA usage for your property. If your loan provider is HDB, please approach HDB directly.

Yes, the refunded amount will start earning attractive CPF interest which boosts your savings for retirement. By making a voluntary refund, you may receive more cash proceeds when selling your property.

You’re required to be insured under the HPS, if you’re using your CPF savings to pay the monthly housing instalments of your HDB flat. Remember to login to my CPF Online Services to check if your HPS coverage is adequate when making changes to your housing loan.