What is the withdrawal limit for HDB

For HDB loans, there is no CPF Housing Withdrawal Limit—owners can use their CPF funds to fully pay off their HDB flat, subject to eligibility rules relating to the property's lease and ownership conditions.

For bank loans on HDB flats, CPF usage is capped by two limits:
- Valuation Limit (VL): This is the lower of the purchase price or the market valuation at the time of purchase.
- Withdrawal Limit (WL): This is set at 120% of the Valuation Limit.

If you hit the Withdrawal Limit when using CPF for your housing loan (outside of HDB loans), the balance of the loan must be paid in cash.

CPF savings for property purchases can only be used if the property is freehold or its remaining lease sufficiently covers the youngest owner until age 95. The limits do not apply if you purchase your HDB flat with an HDB loan—CPF funds can be used for the entire payment, provided you meet the eligibility criteria.

If you are buying with a bank loan, be aware that after reaching the Valuation Limit, you can only continue to use CPF savings if you have set aside the prevailing Basic Retirement Sum in your CPF accounts.

For the most accurate calculation of how much CPF savings you can use, consult the CPF housing usage calculator on the official CPF website and review your eligibility based on age, lease duration, and other requirements.