CPF Housing Usage Limits
Estimate when you might run out of 2026 CPF for your property and need to start paying in cash.
The VL and WL Rules
In Singapore, the CPF Board imposes limits on the amount of Ordinary Account (OA) savings that can be used to pay for a property.
1. Valuation Limit (VL): The purchase price or the valuation of the property at the time of purchase, whichever is lower.
2. Withdrawal Limit (WL): 120% of the Valuation Limit. This is the absolute maximum CPF you can ever use for the property.
How to Use This Calculator
- Original Price/Valuation - Input the price you paid or the valuation when you first bought the house.
- Check Current Usage - Find your total 'CPF Used for Housing' in your CPF online dashboard.
- View Limits - The calculator tells you how much 'headroom' you have left before you must pay in cash.
Calculation Formula & Example
The Formula
WL = Valuation @ Purchase × 1.2
Where:
- Accrued Interest = This counts toward the limit if you are tracking total debt.
- BRS Rule = Once you hit VL, you must have the BRS in your SA to use more OA.
Example Calculation
If you bought a condo for S$1.5M, your VL is S$1.5M and your WL is S$1.8M. Once S$1.8M of CPF has been used (including stamp duty and lawyers), all future mortgage installments MUST be cash.
Benefits of Using This Calculator
- Cash Flow Planning - Avoid the 'CPF hit' where you suddenly lose your ability to pay with OA.
- Retirement Security - Ensures you don't deplete your entire OA for one asset.
- Informed Selling - Know how much you'll need to 'refund' to CPF when you sell.
Calculator Use Cases
Essential for those servicing long-term private bank loans.
Identify which properties are nearing their withdrawal caps.
Frequently Asked Questions
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