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The 4 Year Max CPF Usage Rule and Some Thoughts of these CPF and HDB Loan Changes in May 2019
By Investment Moats  •  May 12, 2019

On May 9th 2019, the government announced some changes to how we can use CPF to finance our public and private housing, and how this affects how much we can withdraw from our CPF at age 55.

This will affect you, if you do not own a home, or currently own a home, but would in the future sell and buy again (which is likely going to be a lot of people!)

I think there are a lot of media coverage on these stuff from the traditional pro-Government mouth pieces so I will not explain too much. 

I will however present this table:

This is how I look at it:

It affects the maximum amount you can use from your CPF to finance your home. Be it HDB, private or EC It affects the maximum amount of HDB loan you can get Just so you know banks also take...
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By Investment Moats
Investment Moats is set up by Kyith Ng and have been around since 2005. He aims to share his experiences making sense of money, how money works and ways to grow his money. It hopes that by sharing his experiences, both good and bad, season investors can advice and critique his decisions and new investors can learn from them and find their own style ...
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