问问CPF户头的事情。-投资理财-新加坡狮城论坛

有三种，每种什么用途，几岁可以全部取出，有人说MA 不可以全部拿的。假如PR呢 O(∩_∩)O谢谢

Ordinary Account =

Special Account =

Medisave Account =

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投资理财

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理财

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我的新天地 LV15

发表于 2-3-2015 11:14:05 | 显示全部楼层

Ordinary Account = 买房、教育、投资（2万以上的部分可用来投资股票、基金或黄金）

Special Account = 退休储蓄、投资（4万以上的部分）。55岁之后SA和OA户头里的资金转入退休户头RA，目前最低存款额多过$155000(有房产可以酌情减少）的部分可以在55岁一次性提取，但政府目前在讨论改革退休储蓄的最低储蓄额。

Medisave Account =支付医疗费用、买保险。这部分按政府限定的数额目前$48500之内除了支付医疗费用和买保险，没用完的走的时候只能留给受益人。

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我的新天地 LV15

发表于 2-3-2015 11:14:45 | 显示全部楼层

Ordinary Account = 买房、教育、投资（2万以上的部分可用来投资股票、基金或黄金）

Special Account = 退休储蓄、投资（4万以上的部分）。55岁之后SA和OA户头里的资金转入退休户头RA，目前最低存款额多过$155000(有房产可以酌情减少）的部分可以在55岁一次性提取，但政府目前在讨论改革退休储蓄的最低储蓄额。

Medisave Account =支付医疗费用、买保险。这部分按政府限定的数额目前$48500之内除了支付医疗费用和买保险，没用完的走的时候只能留给受益人。

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马三哥 LV15

发表于 2-3-2015 11:33:42 | 显示全部楼层

有个问题请教一下，如果因为买了房子，每个月的OA都拿去全额还房贷了，到了55岁，OA里面空的或者明显低于minimum了，这种情况咋整？

我听说这种情况下，房产自动抵押，填补minimum？例如房子价值100w，55岁后minimum是20w，OA只有5w，那么房子自动抵押出15w来补进去？

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我的新天地 LV15

发表于 2-3-2015 11:40:51 | 显示全部楼层

马三哥发表于 2-3-2015 11:33
有个问题请教一下，如果因为买了房子，每个月的OA都拿去全额还房贷了，到了55岁，OA里面空的或者明显低于mi ...

Pledging your property

You may pledge your property up to 50% of the MS after you have obtained the consent from all other co-owners to do so.

The amount that you can pledge depends on

HDB’s quarterly median resale prices for HDB flats or valuation price for private properties;
Outstanding housing loan amount (including non-housing loan for private properties);
Co-owner’s CPF usage (for joint-ownership cases); and
Your share of the property.

Upon the sale of the property, you will need to refund the principal CPF amount withdrawn towards the property plus the accrued interest as well as the pledged amount.
Examples illustrating the amounts that can be pledged:
EXAMPLE 1

Where the co-owner’s CPF usage is less than 50% of the residual value of the property
HDB’s average valuation price	:$300,000
Less outstanding HDB loan	:$100,000
Residual value :	:$200,000
Co-owner's CPF usage :	:$ 40,000
Member's share :	:$ 100,000

In example 1 above, as the co-owner's CPF usage is less than 50% of the residual value, the member’s share of the property would be based on 50% (assuming that the property has only two owners with 50% share each) of the residual value. He can pledge the property up to the maximum limit of $77,500 if his MS is $155,000 and he has fully set aside this amount in his RA.

EXAMPLE 2

Where the co-owner’s CPF usage is more than 50% of the residual value of the property
HDB’s average valuation price	:$300,000
Less outstanding HDB loan	:$200,000
Residual value :	:$100,000
Co-owner's CPF usage :	:$ 80,000
Member's share :	:$ 20,000

In example 2 above, as the co-owner's CPF usage is greater than 50% of the residual value, the member's share of the property would be the residual value less the co-owner's CPF usage. The member can only pledge an amount of $20,000(i.e. $100,000 less $80,000).

EXAMPLE 3

Where the co-owner did not use his CPF for the property and has 50% share ownership
HDB’s average valuation price	:$300,000
Less outstanding HDB loan	:$250,000
Residual value :	:$ 50,000
Co-owner's CPF usage :	:$ 0
Member's share :	:$ 25,000

In example 3 above, as the co-owner did not use his CPF for the property and the member has 50% share of the property, the amount that the member can pledge is $25,000 only.