哦，我很早就在华新讲过SA shielding不过这个办法确实是可行的，适用OA不够的同学。
万一贷款锁定期结束利率暴涨的话SA里的钱也随时可以拿出来还贷。
不管买不买T-bill 或者其它投资
可以转到SA的数额极限就是FSR吧， 把SA清空（T-bill 或者批准的Unit trust），也就FSR 2023是多少？ 198K
这个记得早年有人说过，买房前，清空OA，保留尽可能多的OA倒赚利息 -是一个道理吗？
The maximum amount you can transfer from OA to SA is the difference between the current Full Retirement Sum (FRS) and the combined sum of our current SA funds and the net SA withdrawn under the CPF Investment Scheme (CPFIS-SA) for investments that have not been completely disposed of.
这个记得早年有人说过，买房前，清空OA，保留尽可能多的OA倒赚利息 -是一个道理吗？
The maximum amount you can transfer from OA to SA is the difference between the current Full Retirement Sum (FRS) and the combined sum of our current SA funds and the net SA withdrawn under the CPF Investment Scheme (CPFIS-SA) for investments that have not been completely disposed of.
Huasing Association 1999 - 2013