假设房贷利率超过2.5%，是不是应该把CPF OA全用完，不够的再贷款？这样CPF什么时候还就可以灵活机动，随时refund
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高过2.6%吧
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高过2.6%吧
CPF请问，如果OA的全部拿去还房贷，SA有6万，是否是5%的利息？还是OA要放2万，挣3.5%的利息？谢谢。
SA已经有6万了就无所谓留不留OA吧
反正额外1%是combined balance（文末贴了官方解释），这个balance是从OA还是SA来没差，不需要用3.5%去跟贷款利率比，就是用2.5%比。
你现金流压力不大的话也是可以考虑干脆OA全转去SA，贷款利率不容易上到4%吧。不过万一过了4%就只能干瞪眼了。
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Your accounts are used to compute your combined CPF balances in the following order:
- 1st: Retirement Account (RA), including any CPF LIFE premium balance
- 2nd: OA, with a cap of $20,000*
- 3rd: Special Account (SA)
- 4th: MediSave Account (MA)
*A cap of $20,000 from OA is imposed because OA savings are short-term in nature and can be withdrawn on demand for a few purposes such as housing and education.
你现金流压力不大的话也是可以考虑干脆OA全转去SA，贷款利率不容易上到4%吧。不过万一过了4%就只能干瞪眼了。
———————
Your accounts are used to compute your combined CPF balances in the following order:
- 1st: Retirement Account (RA), including any CPF LIFE premium balance
- 2nd: OA, with a cap of $20,000*
- 3rd: Special Account (SA)
- 4th: MediSave Account (MA)
*A cap of $20,000 from OA is imposed because OA savings are short-term in nature and can be withdrawn on demand for a few purposes such as housing and education.
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