Just as I was about to publish this blog, I saw the news hot from the oven. "Flat buyers will have more flexibility in using their Central Provident Fund (CPF) money, the Housing Board said as it launched 5,101 flats for sale from Tuesday (Aug 28). "Buyers can now keep up to $20,000 in their CPF Ordinary Accounts (OA) when they take a Housing Board loan. Before, they had to use all the funds in their OA first. "The funds can be used for their monthly mortgage instalments in times of need and will improve retirement adequacy if left unutilised." Source: The Straits Times ........................ Reader says... Thank you for sharing so freely. As like many others, I feel inspired and in awe. I hope to get some advice if possible. I recently emptied by OA to purchase a flat (on hindsight not such a great move). Since then OA has been accumulating till it's about 10k now ......