How much Ordinary Account savings might go toward this property?
A quick estimate of the CPF Valuation Limit for a purchase, based on CPF Board's own rules — good for a ballpark in conversation, not for locking in numbers.
01
Owner(s)
The youngest owner's age at purchase drives the lease-adequacy test — CPF checks whether the remaining lease covers this person to age 95.
02
Property
HDB flat
Private / EC
99-year leasehold
Freehold / 999-year
Assumes a 99-year lease starting from the year built/TOP — the norm for HDB and most private leasehold projects. Freehold and 999-year leases always pass the lease-adequacy test, no proration applies.
03
CPF savings
This is combined Ordinary Account savings across all owners, at today's balance.
Rough estimate
OK TO USE
$0
combined Ordinary Account savings usable for this purchase
Purchase price—
Valuation at purchase—
Remaining lease (est.)—
Lease covers youngest owner to 95?—
Proration factor applied—
Usable from OA—
Want the exact figure?
This is a rough guide to give you a sense of the numbers. For an accurate calculation — factoring in your Withdrawal Limit, Retirement Sum set-aside, and your specific transaction — reach out for a proper consultation.
Rough estimate only, based on CPF Board's published Valuation Limit and lease-adequacy rules. Does not account for the Withdrawal Limit, Basic Retirement Sum set-aside, existing property ownership, or short-lease flat exclusions.