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使用CPF买房，可能会让你损失上百万？🤑

今天和大家分享一个真实的故事，关于我朋友买房用CPF的经历。25年前，他们因为一个决定，结果损失了超过一百万新币！😱

 

💸 回到25年前，他们买了一套55万新币的EC

当时55万可是个超级大的数字！虽然他们有足够的现金支付首付，但觉得用CPF会更划算，于是用CPF支付首付，然后每月用CPF还贷。今天，这套房子虽然已经完全付清了，但却要面对“累计利息”的问题。

 

💡 什么是累计利息？

简单来说，就是你用CPF支付的金额会随着时间增长产生利息。等到你卖房子时，你需要把这笔钱和利息一起还给CPF。这样一来，卖房子的收入就会被大幅抵消哦。

 

🔢 算一算朋友的盈亏情况

假设今天要卖掉这套EC，价格需要达到86.8万新币才能保本。但是，这套房子只剩下60年左右的租期！😩 想想看，买家肯定更愿意选择租期还有80、90年的房子，而不是这套剩下60年的。

 

🤔 如果当初用现金支付呢？

如果当初选择用现金支付房款，而不是用CPF，今天即使以55万新币卖掉这套房子，他们也可以：

  • 拿到55万新币的现金
  • 加上25年来在CPF里积累的86.8万新币的利息

这样一来，他们就能拥有超过140万新币的现金和CPF，完全没有任何亏损！但因为用了CPF，如果现在卖房，可能还要面临价格不理想的情况。😢

 

还有其他选择吗？

有朋友可能会问，如果当初把现金拿去做理财投资，收益是不是会更多？的确有可能，但很遗憾，他们当时比较保守，只是把钱存在银行、用于日常开销。

 

总结：使用CPF不是坏事，但要会玩它的游戏！

每个人的情况都不一样，使用CPF买房有它的优势，但也有潜在的风险。你会考虑用CPF来买房吗？

我是Jolysse，陪你一起慢慢变富～💰

 

Important: The information and opinions in this article are for general information purposes only. They should not be relied on as professional financial advice. Readers should seek independent financial advice that is customised to their specific financial objectives, situations & needs. This advertisement or publication has not been reviewed by the Monetary Authority of Singapore.

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JolysseWu 邬宇思

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Hi, I’m Jolysse. Thank you for visiting my website and I’m looking forward to getting to know you personally.

I’m an independent financial consult and strive towards helping my clients and their families to accumulate wealth and helping them grow their investment portfolios.

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我是一名具有8年财富管理经验的独立理财顾问，金融学&管理学双学士，先后服务过近千个私募客户，个人美股及衍生品投资最高年化收益率达366%。在信息爆炸的时代，为您用中立、专业、挑剔的眼光去选择最合适您的理财方案！

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