Correction, 21 October 2026: The previous version of this page incorrectly presented 120% of valuation as a universal CPF housing withdrawal ceiling. It also contained misleading lease-age rules, outdated financing and retirement-sum figures, and an accrued-interest example that treated withdrawals made at different times as though they were all made at the start. Those tables, graphics and recommendations have been withdrawn.
CPF Board’s housing-use guidance distinguishes property type, loan type and remaining lease. A new flat bought directly from HDB with an HDB loan is treated differently from a resale flat with an HDB loan or a home financed by a bank. The 120% figure belongs to particular conditions; it is not a rule for every purchase.
Before committing, establish the amount approved for your own property and the cash needed separately. Continue to our resale valuation and funding-gap guide for clearly labelled purchase-price examples, or our sale-proceeds and bridging-loan guide if you are buying while selling. Neither replaces CPF Board’s assessment of your housing-use entitlement.
Singapore River at Robertson Quay, photographed 14 August 2022. Photo: Wzhkevin, Wikimedia Commons. CC BY-SA 4.0. Resized for web. Neighbourhood context, not a valuation. Source: https://commons.wikimedia.org/wiki/File:Singapore_River_at_Robertson_Quay_-_2022-08-14.jpg. Licence: https://creativecommons.org/licenses/by-sa/4.0/.
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Lin Xuan: ONG LIN XUAN, CEA registration R069812H. Ade: CHUA MUAY MUAY (ADE CHUA), CEA registration R014252F. ERA REALTY NETWORK PTE LTD, estate agent licence L3002382K.