eastman47

真心请教：

如果OA里面的数字已远远超过了房屋贷款的余额，该如何行动？

还清贷款？

joycewenn

eastman47 发表于 21-4-2012 23:34
真心请教：

如果OA里面的数字已远远超过了房屋贷款的余额，该如何行动？

现在第二套房子的首付要40%
所以不用来还第一套房子的尾款cpf也用不了

yishun2009

eastman47 发表于 21-4-2012 23:34
真心请教：

如果OA里面的数字已远远超过了房屋贷款的余额，该如何行动？

小心这个限制。

The CPF Withdrawal Limit applicable at the time of purchase will apply throughout the loan repayment period. Therefore, the amount of CPF that you can use for your property is capped at 150% of the VL. This Withdrawal Limit will not change even if you refinance your loan subsequently.   The VL is the lower of the purchase price or the value of the property at the time of purchase.
If your housing loan is still outstanding when the total CPF usage for the property  reaches the VL and you are below the age of 55, you may continue to use your CPF Ordinary Account savings to repay the housing loan up to 150% of the VL if you can set aside half of the prevailing Minimum Sum. Savings in the Special Account (including the amount used for investments) and Ordinary Account can be used to meet this required amount. Please click here for more details.
However, if you are aged 55 and above when the VL is reached, you may use the excess CPF Ordinary Account savings to repay the housing loan up to 150% of the VL, after setting aside half of the Minimum Sum that is applicable to you. Please click here for more information on Minimum Sum.

dianjun

都是有钱人啊。

无缘走近u

刚被追缴了几百块

qguan

大刚需 发表于 12-4-2012 15:53
这个除非bonus无限多..不然每个人最后都差不多吧, 反正ceiling摆在那

你想的太简单了吧。

有的人也许全部用CPF还款，有的人全部用现金，有的人可能医疗费多，还有的可能去投资了。。

freesoul99

fmmwg 发表于 5-5-2012 20:02
CPF的钱不可以全部用来还房子的。
今天刚听banker讲了，(OA + SA )的65,500不可以动用......对吗？

此规定只适用于用cpf付第二套房贷, regardless第一套是否还清。

老鼠爱小米

一唱一和，很好玩是吧？演双簧很多人看热闹是吧？