Am I able to opt out my parent's CPF on the parent with children scheme?

In the context of the parent with children scheme for HDB flats, you cannot use your parent's CPF savings directly for the down payment or mortgage installments. However, there are some considerations:

- You can use your own CPF Ordinary Account (OA) funds for the down payment and mortgage installments.
- If your parent is a co-applicant and part of the family nucleus, their income can be considered in the overall household income for the purpose of the HDB loan eligibility, but their CPF funds cannot be used directly for the purchase.

It is important to note that CPF rules dictate that only the CPF OA funds of the applicants or co-applicants can be used for housing purposes. Therefore, while your parent can be part of the family nucleus, their CPF savings cannot be directly utilized for the purchase of the HDB flat under this scheme.