Correction, 20 October 2026: The former valuation guide contained an incorrect cash/CPF shortfall example, unsupported price-premium and valuation-accuracy percentages, and blanket statements about new-launch lending, report fees, timing and legal consequences. Its old body and graphics have been withdrawn.
The price above valuation is not CPF-funded
CPF Board’s downpayment guidance identifies the portion of a private property’s price above its market value as payable in cash. The previous guide wrongly offered CPF as a way to fund that excess and combined inconsistent contribution figures.
For a hypothetical S$2 million purchase valued at S$1.9 million, an assumed approved 75% loan on the lower value would be S$1,425,000. The total contribution towards the price would be S$575,000, excluding other costs. Under the illustration’s 5% minimum-cash assumption, cash is S$95,000 plus the S$100,000 excess, or S$195,000. The remaining S$380,000 would require eligible CPF or cash. These are conditional teaching figures, not an approval.
MoneySense’s financing table shows that the LTV and minimum cash requirements vary with outstanding housing loans, tenure and age. The earlier universal claims should not be used to decide what a buyer can borrow.
Continue with the cash-gap guide
The former percentages for renovation, facing, leasehold discounts and valuation accuracy were not established by the cited evidence. Nor should readers rely on its claim that a seller can simply walk away from an OTP, its report-fee ranges or its new-launch valuation shortcut.
Our resale-condo valuation cash-gap guide explains how price, accepted valuation, loan and available funds interact. Use the IPA guide for financing preparation. Lin Xuan or Ade can introduce bankers and property lawyers for the actual funding and contractual questions.
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