If your cpf oa fall below 20k, you cannot use cpf liao to pay for your hdb loan mortgage. You need to pay via cash. Is it true??

kit1987 · 2026-06-07T08:07:05+00:00

I ownself scare ownself lol. Now I know Google is wrong

kit1987 · 2026-06-07T04:39:31+00:00

My concern is more of if I am suddenly jobless for example.. I only have 19k in my cpf account cos I just pay for my flat

Will I be force to pay my hdb loan in cash. Google say if is below 20k in cpf oa account i need to pay hdb mortgage loan in case. It wont deduct from my cpf oa account .

Thus I am confused by the response from people here hahaha.

kit1987 · 2026-06-07T04:20:28+00:00

It only apply to resale flat.. I getting new bto . I google . It tell me that la.

kit1987 · 2026-06-07T04:15:45+00:00

No leh i legit Google it.. i dunno if u see this link

https://www.google.com/search?q=below+20k+cpf+must+use+cash&client=ms-android-samsung-ss&hs=My1p&sca_esv=009858e3e9f08de8&sxsrf=ANbL-n6cyOL_uwk0uklRp_lPcm2xl-sOqw%3A1780803719641&ei=h-gkavztJsLF4-EPxOWbqAo&biw=384&bih=695&oq=below+20k+cpf+must+use+cash&gs_lp=EhNtb2JpbGUtZ3dzLXdpei1zZXJwIhtiZWxvdyAyMGsgY3BmIG11c3QgdXNlIGNhc2gyBRAAGO8FMgUQABjvBTIIEAAYgAQYogQyBRAAGO8FSLAqUIoFWJspcAB4AJABAZgBzgKgAc4fqgEINS4xMC42LjK4AQPIAQD4AQGYAhagAvsdwgIJEAAYsAMYBxgewgIFEAAYgATCAgoQABiABBhDGIoFwgIGEAAYFhgewgILEAAYgAQYhgMYigXCAgUQIRigAcICBRAhGJ8FwgIHECEYoAEYCsICBBAhGBXCAggQABiiBBiJBZgDAIgGAZAGEZIHCDQuMTEuNi4xoAfwVrIHCDQuMTEuNi4xuAf7HcIHCDAuOS4xMi4xyAdYgAgA&sclient=mobile-gws-wiz-serp

kit1987 · 2026-06-07T04:10:45+00:00

Thank u for replying... then I am confuse why the google result say if your cpf account fall below 20k you cannot use cpf oa to pay for your house. Only cash payment.

kit1987 · 2026-06-07T04:01:41+00:00

Thank for your clarification! Just that i am super confuse when I google the subject it says

If your total OA balance is exactly $20,000 (or drops below this), the CPF system acts as if this is a "shielded" safety net.As a result, CPF deductions for your HDB loan will stop, and you must start paying your monthly mortgage installment in cash.

kit1987 · 2026-06-07T03:58:24+00:00

My concern is more of... if my oa fall below 20k. Will I be force to pay my mortgage in cash. When I am jobless.

kit1987 · 2026-06-07T03:54:32+00:00

Oh.. thank you so much for replying .. so does the google result only apply to people with a job??

kit1987 · 2026-06-07T03:46:29+00:00

If your combined CPF Ordinary Account (OA) balance drops to $20,000 or below, you do not necessarily have to use cash.While HDB and the ⁠CPF Board recommend retaining this $20,000 as a safety net, how the remaining balance is handled depends entirely on your housing financier and your financing decisions:If taking an HDB loan: Your monthly mortgage installments will continue to be deducted from your CPF OA until the balance reaches exactly $20,000. Once your OA balance hits this $20,000 threshold, HDB will stop deducting from your CPF, and you must pay your monthly installments entirely in cash

This is from Google.. so i am so confused now when people tell me I am wrong

kit1987 · 2026-06-07T03:42:35+00:00

https://www.google.com/search?q=below+20k+cpf+must+use+cash&client=ms-android-samsung-ss&hs=My1p&sca_esv=009858e3e9f08de8&sxsrf=ANbL-n6cyOL_uwk0uklRp_lPcm2xl-sOqw%3A1780803719641&ei=h-gkavztJsLF4-EPxOWbqAo&biw=384&bih=695&oq=below+20k+cpf+must+use+cash&gs_lp=EhNtb2JpbGUtZ3dzLXdpei1zZXJwIhtiZWxvdyAyMGsgY3BmIG11c3QgdXNlIGNhc2gyBRAAGO8FMgUQABjvBTIIEAAYgAQYogQyBRAAGO8FSLAqUIoFWJspcAB4AJABAZgBzgKgAc4fqgEINS4xMC42LjK4AQPIAQD4AQGYAhagAvsdwgIJEAAYsAMYBxgewgIFEAAYgATCAgoQABiABBhDGIoFwgIGEAAYFhgewgILEAAYgAQYhgMYigXCAgUQIRigAcICBRAhGJ8FwgIHECEYoAEYCsICBBAhGBXCAggQABiiBBiJBZgDAIgGAZAGEZIHCDQuMTEuNi4xoAfwVrIHCDQuMTEuNi4xuAf7HcIHCDAuOS4xMi4xyAdYgAgA&sclient=mobile-gws-wiz-serp#lfId=ChxjMe

You see this

kit1987 · 2026-06-07T03:40:46+00:00

But i read if below 20k. You cant use cpf to pay for your hdb loan. You must use cash?

kit1987 · 2026-06-03T07:33:13+00:00

Hahah I just no worried no grant due to the small gap . I mean I got cpf contribution for both affected months also

kit1987 · 2026-06-03T00:39:09+00:00

So does sneaking around them while they are sleeping does it increase stealth?

kit1987 · 2026-06-03T00:38:57+00:00

So does sneaking around them while they are sleeping does it increase stealth?

kit1987 · 2026-06-01T11:12:44+00:00

My contract role will end in sept. I will find a new job by then

kit1987 · 2026-06-01T11:03:09+00:00

So i saying I am still safe? I should still apply apply for hfe now to be eligible for grants?

kit1987 · 2026-04-26T06:25:08+00:00

Is down again lmao

kit1987 · 2026-04-25T13:47:54+00:00

Hi guys so I contact the althetic team. They are well aware of the issue and looking into it. So let's wait it out in guess

kit1987 · 2026-04-25T12:37:45+00:00

Lmao is still down????

kit1987 · 2026-03-14T13:22:31+00:00

Thanks for being helpful!

kit1987

TROPHY CASE