CPF Housing Usage Limits
Estimate when you might run out of 2026 CPF for your property and need to start paying in cash.
Last updated: April 2026
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
- 1Original Price/Valuation — Input the price you paid or the valuation when you first bought the house.
- 2Check Current Usage — Find your total 'CPF Used for Housing' in your CPF online dashboard.
- 3View Limits — The calculator tells you how much 'headroom' you have left before you must pay in cash.
Formula & example
WL = Valuation @ Purchase × 1.2
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
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.
Use cases
Private Property Owners
Essential for those servicing long-term private bank loans.
Multi-Property Owners
Identify which properties are nearing their withdrawal caps.
Frequently asked questions
Does this apply to HDB flats?+
Only for HDB Resale flats and for private bank loans. HDB BTO flats usually do not have a withdrawal limit on the first flat.
What is the 'Accrued Interest'?+
This is the 2.5% you would have earned if the money stayed in CPF. When you sell, you must refund the principal + this interest.