就是说相当于留在RA里的下限高了不top up, 没有房产抵押，RA最低要留FRS，
有top up, 没有房产抵押，RA 最低要留FRS + top up + top up 利息，如果不超过ERS de hua。
(more...)
这个理解好像不太对
https://www.cpf.gov.sg/member/faq/retirement-income/retirement-withdrawals/how-much-can-i-withdraw-from-my-cpf-accounts-
More than your Full Retirement Sum
(i) $5,000, or your Special and Ordinary Account savings above your Full Retirement Sum, whichever is higher
and
(ii) Any Retirement Account savings (excluding interest earned, any government grants received and top-ups made under the Retirement Sum Topping-up Scheme) above the Basic Retirement Sum, if you own a property with remaining lease that can last you to at least 95 years old.
从这里看，不管有没有没有房产抵押的话， frs往上的部分都可以取的（包括top up的部分）
有房产抵押的话，brs+top up的部分不可以取。
More than your Full Retirement Sum
(i) $5,000, or your Special and Ordinary Account savings above your Full Retirement Sum, whichever is higher
and
(ii) Any Retirement Account savings (excluding interest earned, any government grants received and top-ups made under the Retirement Sum Topping-up Scheme) above the Basic Retirement Sum, if you own a property with remaining lease that can last you to at least 95 years old.
从这里看，不管有没有没有房产抵押的话， frs往上的部分都可以取的（包括top up的部分）
有房产抵押的话，brs+top up的部分不可以取。
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