Ask Propwise
Can You Use CPF for a Flat With 55 Years of Lease Left?
Yes, but your age sets how much. With 55 years of lease left, buyers aged 40 or older meet CPF's age-95 test. Younger buyers get a capped share.
Yes, but your age sets how much. With 55 years of lease left, buyers aged 40 or older meet CPF's age-95 test. Younger buyers get a capped share.

Sell your HDB flat or keep it when you buy private? 2026 rules on MOP, 20% ABSD and refunds, loan limits and CPF refunds, with worked numbers for each route.

A 2026 beginner's guide to Singapore housing: HDB Standard, Plus and Prime flats, ECs, condos and landed homes, who can buy each and the rules attached.