How much CPF savings can I use for my property purchase?
The amount of CPF Ordinary Account (OA) savings you can use depends on:
 
  1. Remaining lease of the property
  2. Type of property
  3. Loan type
  4. Whether it’s your first or subsequent property
 
Infographic for Purchasing Your First Property
 
Note: For members age 55 and above, your Basic Retirement Sum (BRS) is half of your Full Retirement Sum (FRS) which depends on the year you turn 55 and will remain the same for life. For members below 55, your BRS is half of the prevailing FRS in the year.
 
You can use our CPF Housing Usage Calculator to determine the total amount of CPF savings that you and your co-owner (if any) may use to buy your property.
 
Purchasing your second or subsequent property
 
You can only use your OA savings after setting aside the BRS or FRS (refer to Table B), up to the CPF housing limit of your property.
 
Table B: Amount to set aside
Property OwnershipAmount to set aside

Buyer has at least one property that can last him till age 95

BRS*
Buyer has no property that can last him till age 95FRS*
 
* Savings from your Retirement Account or Special Account and OA can be used to meet the requirement.
 
For comprehensive information about using your CPF savings for property purchases, please refer to the Terms and Conditions.

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