第一套HDB的房子是用CPF钱还的, 已还清.
据说可以保留第一套房子, 把从CPF用在第一套房子的钱加利息还回CPF局, 然后就可以申请用cpf的钱还第二套房子?!
不知道具体如何操作?! 知道的朋友分享一下, 谢谢!
我再贡献一封信
Dear Mr Chen
Thank you for your email of 21 May 2012.
After the voluntary full refund of the CPF savings that you have used for your first property plus the accrued interest to your CPF account, you can use all the available amount in your Ordinary Account (OA) to purchase the next private property and to service the housing loan up to 100% of the property’s Valuation Limit (VL). This is if the property has a remaining lease of at least 60 years. VL is the purchase price or the value of the property at the time of purchase, whichever is lower.
…
Yours sincerely
XXX (Mrs)
Customer Correspondence Unit
Central Provident Fund Board
谢谢, 了解.
不过这个最低存款好象数目也不低, 好象每年还有的加, 而且要保持在这个数目以上.
所以用起来不象当初用cpf还第一套那样没那么多限制.
grandslam, 谢谢你贴的信.
voluntary full refund , 好象就是我要找的东东!
不过 voluntary full refund是不是用特别跟他们申请的?! 因为普通的voluntary cash contribution, 钱会分去三个cpf帐号的.
我在cpf网站上找不到相关信息.
去CPF问一下很方便的，邮件，亲自去也可以。很少人会这么还，所以能回答你的人应该不多。我也只是帮朋友算的时候想到这个，就确定下可行性而已，但是没有问怎么操作
只要个人cpf账户中oa+sa达到minimum sum的一半, 目前为69500, 那么oa中超出的部分可用来付二套房房贷
谢过先! 知道有这回事就好办了.