当房子大概35年老的时候（假设地契开始早于TOP5年，也就是地契剩下少过60年的时候， CPF使用受限制；地契剩下少过30年的时候，彻底不准使用CPF。这样减少了流通性，自然价值就会受影响。而FREEHOLD没有这个影响。
Less CPF can be used
To illustrate this problem, for example, if a 30 year-old couple buys a flat with a lease balance of 59 years, their prorated Valuation Limit (for the use of CPF), will be only 58 instead of 100 per cent of the valuation at the time of purchase.
FROM BELOW ARTICLE
http://einvesthub.btinvest.com.sg/markets/2013/10/04/what-happens-when-your-hdb-flat-becomes-34-years-old/
CPF RULE:
https://www.cpf.gov.sg/Assets/members/Documents/Housingwithdrawallimit.pdf
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