得认真学习一下，本以为已经很了解，木想到还有这个办法可以绕开ｍｉｎｉｍｕｍ　ｓｕｍ．．．

你不是说“要把曾经用过的 CPF OA 连本带息填补回 CPF 账户，那再买第二套房的时候，是可以动用所有 OA 的，并不受 OA+SA 的总数的 first $80500 的限额”

一直以为只要用过给第一套房，第二套（在第一套没有卖的情况下）要是想用Ｃｐｆ来还就得满足这个“half of the prevailing CPF Minimum Sum”的条件。。。

也可能是我理解错了，你原话的意思也可能是说第一套房卖了后再补回ｏａ．．．

我的主要疑问是，保留第一套房（曾经用过OA),现在补回用过的钱和利息，再买第二套还受制于这个min sum么？

所以想找回旧帖拜读一下。　

这里（http://www.moneysense.gov.sg/Life-Events/Buying-a-Home.aspx）有具体说：

If your total CPF usage for the home loan reaches the Valuation Limit and you are below the age of 55 years, you may continue to use your CPF Ordinary Account savings to repay the housing loan 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 count towards half of the prevailing Minimum Sum.


真的是膜拜首富，估计买卖房根本不用动Cpf的。。。

什么都有洞阿。。。

https://www.cpf.gov.sg/Members/FAQ/schemes/housing/public-housing-scheme#faq16409

Q　Can I use my CPF to pay for more than one property?

A　Yes. However, if you bought your second or subsequent property with CPF savings after 1 July 2006, you must set aside the current Basic Retirement Sum before you can use the excess savings in your Ordinary Account for the second or subsequent property. Savings in the Special Account (including the amount used for investments) and Ordinary Account can be used to meet this required amount.

Please note that as the retirement sum will be raised annually, the amount you need to set aside will be adjusted accordingly.

The total CPF withdrawal for the second or subsequent property will also be capped at 100% of the Valuation Limit, which is the lower of the purchase price or valuation of the property at the time of purchase, if the remaining lease is at least 60 years.

不过decoupling对ｈｄｂ来说已经没戏了，cpf refund看起来还有点帮助。。

都是挣扎在生死线上的ｐ民，买房什么都是尽量利用任何可用的一分钱


首富就不要再挖苦了。。。

不差钱的时候觉得利息不错，差钱的时候呢？

一般数额巨大而没有ｔｏｐ－ｕｐ的话，都是年限造出来的，可以想象一下首富的年龄。。。


也可能是投资回报巨大，ｎ年前用Ｃｐｆ投资黄金什么的据说赚很大。。。

ｘｍｌｚｊ

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系统生成：由于楼层数受限，本帖实际回复的是 西东南北风 的帖子 “以前-很久以前-赚的钱可以cash out”
原地址：http://bbs.huasing.org/sForum/bbs.php?B=147_13677062

也可能你真的已工作30+年了