假设 Sibor 继续升高，导致住房贷款 mortgage 利率超过 CPF OA 2.5% 的利率在这个情况下，因为贷款利息增加的速度远远超过 CPF OA 利息，以及存款利息增加的速度。在新加坡很难找到短期理财工具（SGD）可以拿到比贷款利息更高的稳定回报。
所以，届时我会把 CPF OA 可允许取出的部分全部取出（50% of CPF OA Minimum Sum 以上的部分，which is 161000/2 = 80500），加上可以动用的新币现金，提前偿还一部分 mortgage loan。
欢迎讨论。
到利息升到2.5了，CPF利息还是2.5吗？看看这段关于CPF利息的。
The interest rate on Ordinary Account (OA) monies is adjusted quarterly. OA monies earn either the legislated minimum interest of 2.5% per annum, or the 3-month average of major local banks’ interest rates, whichever is higher.
The OA interest rate will be maintained at 2.5% per annum from 1 January 2015 to 31 March 2015, as the computed rate of 0.21% is lower than the legislated minimum interest rate.
The OA interest rate will be maintained at 2.5% per annum from 1 January 2015 to 31 March 2015, as the computed rate of 0.21% is lower than the legislated minimum interest rate.
Huasing Association 1999 - 2013