How much CPF can we use

The amount of CPF savings you can use depends on:

- The number of properties you own (e.g., HDB flat/private property)
- Whether the property's remaining lease can cover the youngest buyer using CPF savings for the property to at least 95 years old

If the property's remaining lease cannot cover the youngest buyer to at least 95 years old, CPF usage will be pro-rated based on how near to age 95 the property's lease can last him/her.

For properties with a remaining lease that covers the youngest buyer to at least 95 years old, CPF members can use their CPF up to the Valuation Limit.

For properties with a remaining lease that does not cover the youngest buyer to at least 95 years old, CPF usage will be pro-rated according to the remaining lease that can cover the youngest buyer to age 95.