CPF Account Value Thread 2026

[trave1er]

I for one am happy with larger BHS ceiling due to ability to top up more and reduce tax

Yes I'm also happy with the CPF system.

CPF board has also gone out of it's way to explain how the system works, after the Roy Ngerng incident.

 

[LWZ]

Yes I'm also happy with the CPF system.

CPF board has also gone out of it's way to explain how the system works, after the Roy Ngerng incident.

I suppose something good came out of all his ranting after all, other than good laughs

 

[chiokcc]

 

[chiokcc]

 

[anata]

does the CPF home ownership dashboard show the correct withdrawal limit for housing bank loan? mine shows that amount allowed is 100% of the property valuation, but i've met the BRS threshold so i thought the amount allowed should be 120%?

 

[BBCWatcher]

does the CPF home ownership dashboard show the correct withdrawal limit for housing bank loan? mine shows that amount allowed is 100% of the property valuation, but i've met the BRS threshold so i thought the amount allowed should be 120%?

Is there a co-owner such as a spouse? If so, has the co-owner also met the Basic Retirement Sum?

 

[anata]

Is there a co-owner such as a spouse? If so, has the co-owner also met the Basic Retirement Sum?

Yes. The property is co-owned with my spouse. Each of us has more than the BRS in our SA. Our dashboard shows the same remaining amount allowed for property, which is just the amount used subtracted from 100% VL of the property. I believe it should be subtracted from 120% VL instead if BRS for each co-owner is met.

According to CPF website: If you still have an outstanding housing loan, you can continue to use your respective OA savings, up to another 20% of the lower of the purchase price and the valuation price of the property at the time of purchase, if you have set aside your BRS. (emphasis is from CPF).

I'm waiting for CPF to reply me on this, but I suspect the dashboard would simply show the '100% VL' numbers even if BRS was met. The additional 20% can be used but isn't readily shown on the dashboard. Perhaps someone in a similar situation (bank loan and met BRS) can show if his/her dashboard shows the same thing. Thanks!

 

[yiwei]

Yes. The property is co-owned with my spouse. Each of us has more than the BRS in our SA. Our dashboard shows the same remaining amount allowed for property, which is just the amount used subtracted from 100% VL of the property. I believe it should be subtracted from 120% VL instead if BRS for each co-owner is met.

According to CPF website: If you still have an outstanding housing loan, you can continue to use your respective OA savings, up to another 20% of the lower of the purchase price and the valuation price of the property at the time of purchase, if you have set aside your BRS. (emphasis is from CPF).

I'm waiting for CPF to reply me on this, but I suspect the dashboard would simply show the '100% VL' numbers even if BRS was met. The additional 20% can be used but isn't readily shown on the dashboard. Perhaps someone in a similar situation (bank loan and met BRS) can show if his/her dashboard shows the same thing. Thanks!

Same up to the 100%VL but if you see under amount allowed for this property section - remaining amount allowed for property, there is a clause saying you can use a higher amount in there.

 

[dragonics]

if after 55 i withdraw my cpf after setting aside FRS, then i used the withdrawal money to return cpf my housing loan and acrued interest… does it works?

 

[reddevil0728]

if after 55 i withdraw my cpf after setting aside FRS, then i used the withdrawal money to return cpf my housing loan and acrued interest… does it works?

Reach FRS liao no obligation to refund so what are you trying to solve?

 

[hwmook]

if after 55 i withdraw my cpf after setting aside FRS, then i used the withdrawal money to return cpf my housing loan and acrued interest… does it works?

No need to return anything, don't get brainwash and worry about accured interest.

 

[BBCWatcher]

if after 55 i withdraw my cpf after setting aside FRS, then i used the withdrawal money to return cpf my housing loan and acrued interest… does it works?

If by "works" you mean losing one month of OA interest ($2.08 per $1,000) and reducing the amount you can deposit into your Ordinary Account if you ever wish to exercise that option in the future — and accomplishing absolutely nothing of benefit — yes, it works. Metaphorically you can shoot yourself in your feet if you wish.

No need to return anything, don't get brainwash and worry about accured interest.

Yes. Hopefully to help people understand, accrued interest is simply interest you "owe" yourself. And once you reach age 55 and have set aside at least the Full Retirement Sum (or at least the Basic Retirement Sum with property pledge/charge), anything you've used from OA, plus accrued interest, is money you can deposit any time you wish into a 2.5% p.a. interest earning, liquid, asset protected, on demand account. So why would you ever voluntarily reduce or diminish that future deposit option — especially if you have to pay (in the form of lost interest) to reduce that future option? Rational people would never do that.

 

[wutawa]

No need to return anything, don't get brainwash and worry about accured interest.

the funny thing is he said he has frs. even if he sells the house, all the proceeds (including accrued int) will go to OA which is withdrawable.

 

[BBCWatcher]

the funny thing is he said he has frs. even if he sells the house, all the proceeds (including accrued int) will go to OA which is withdrawable.

Relatedly, if you're age 55+ and trying to decide whether to use OA directly for housing or to withdraw OA dollars and then use those same dollars for housing — because you're "afraid" of accrued interest — think again! The former allows you to (re)deposit more dollars in OA if that option is ever attractive. The latter doesn't. Why would you voluntarily "burn down" your future OA (re)deposit quota?

....OK, there's one possible reason I can think of: if you're required to keep a life or MRTA insurance policy that you don't want to pay for in order to use OA dollars directly for housing.

 

[chiokcc]

 

[AndersonL]

Hi all,
Can I ask how come the CPF contributions to my 3 sub-accounts is different between May and March / April even though the total CPF contribution is the same (2960)?

 

[reddevil0728]

Hi all,
Can I ask how come the CPF contributions to my 3 sub-accounts is different between May and March / April even though the total CPF contribution is the same (2960)?

Did you just celebrated your birthday not too long ago? And how old are you?

 

[tehhalia]

Hi all,
Can I ask how come the CPF contributions to my 3 sub-accounts is different between May and March / April even though the total CPF contribution is the same (2960)?

happy belated 35th birthday to you

 

[AndersonL]

happy belated 35th birthday to you

Oh! so that's how this works. I totally don't know about this until googling. thank you!

For those interested: https://www.cpf.gov.sg/service/article/how-are-my-cpf-contributions-allocated-to-my-cpf-accounts

 

[FlyGuardX]

https://www.cpf.gov.sg/service/article/how-are-my-cpf-contributions-allocated-to-my-cpf-accounts

happy 35th birthday