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View personal CPF information and transactions for retirement, home ownership, healthcare, and more.


CPF overview

CPF empowers you to secure your life goals. Save for retirement, home ownership, and healthcare protection.

Growing your savings

For greater peace of mind in your golden years, CPF provides you with a strong foundation for retirement by helping you save for your retirement income, home ownership and healthcare needs.

Retirement income

Build a strong foundation for your retirement and get more from what you save in your golden years.

Home ownership

Owning a home can be affordable. Take care of your mortgage repayment, while protecting your retirement nest egg.

Healthcare financing

Learn how CPF can give you peace of mind to manage your basic healthcare sum and meet the costs of your healthcare needs.

Account services

Throughout your working life and in retirement, you can easily access your CPF account information using Singpass. To better manage your CPF savings, keep up with the latest news by having your contact details updated and subscribe to our email notifications.

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Updates on 20 Apr 2021

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Find out how setting aside $20,000 in your OA affects your monthly instalment

Ben and Lexie are looking to take up a home loan. These are the assumptions that apply to both:

 

The maximum loan that can be taken: $470,000

Ben and his partner retain $20,000 each in their Ordinary Account Lexie and her partner used up their entire Ordinary Account

$40,000*

Remaining balance in their Ordinary Account

$0*

Remaining balance in their Ordinary Account

Based on their respective decisions on the amount to retain in their Ordinary Account, their outstanding loans and monthly instalment are as follows:

Outstanding housing loan amount

$470,000

Outstanding housing loan amount

$430,000

Monthly instalment**

$2,514

Monthly Instalment**

$2,300

 

With an approximate increase of $200 per household on the monthly instalment, Ben and his family enjoy better financial security, where they have enough OA to cover at least 15 months of housing repayments in times of hardships.

 

*Assumption: Initial OA balance: $20,000, interest rate is at 2.6% and the number of years for loan repayment is 20 years

**Assumption: The total monthly instalment is divided between 2 co-owners