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 --- 该帖荣获当日十大第4，奖励楼主12分以及18华新币，时间：2022-07-06 22:00:06。 --- 该帖荣获当日十大第6，奖励楼主8分以及12华新币，时间：2022-07-07 22:00:09。

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。 ——————— 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4th: MediSave Account (MA) *A cap of $20,000 from OA is imposed because OA savings are short-term in nature and can be withdrawn on demand for a few purposes such as housing and education.

你这是一个特殊的贷款方案，可以提前partial payment，大多数房贷不可以的这是一个很好的提醒，如果利率变得很高的话可以签这种贷款