There has been much discussions on the comments section of my previous post: All about CPF minimum sum and CPF life. A reader named NV volunteered to write to CPF with regards to the issue on pledging your property. There was a concern that if you did not meet the minimum sum which is $155,000 from July 2014, then you may not be able to pledge your property to 50% of the MS and withdraw the balance. You can only pledge to make up for the shortfall.

For example if you have $100,000 in your OA and SA, you can only pledge your property at $55,000 instead of 50% of the MS at $77,500. This is not true and has been verified by the email reply from CPF board below.