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In May 2019, the rules on CPF usage and HDB housing loans were updated to give buyers more flexibility if the remaining lease of the flat covers the youngest buyer up to age 95. Buyers can then access the maximum CPF usage and HDB housing loan. If the remaining lease does not meet this requirement, they can still use CPF and take up an HDB loan, but the amount is pro-rated.

Separately, from 20 August 2024, the Loan-to-Value (LTV) limit for HDB loans will be lowered from 80% to 75%.

For more details: News on updated CPF and HDB loan rules