Question: Wilfred, I received a letter saying that in a few months, I cannot use CPF to pay for my housing loan. This means I have to pay cash. However, my CPF still has $13k in my Ordinary Account. What is going on? If I use cash, I will go into negative cash flow. HELP!! Answer: For your case, you have a private property with a bank loan. There are limits to which you can use your CPF to pay for the housing loan. The first limit is the valuation limit and the second limit is withdrawal limt. Your property ‘s valuation at the time of original purchase was $500,000. According to your CPF statement, you have used up to $496,000 in CPF money inclusive of accrued interest. Hence, you have hit the first limit which is called the valuation limit. If you have half of the minimum sum, you ......