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在新加坡买房自住，用CPF公积金还是现金比较好？（新加坡公民和永居必知！）

“我该用公积金还是现金付首付和贷款？” 这是每个新加坡购房者都会面临的难题。在这篇文章里，我将用最简单的方式帮你分析。我们的分析是根据你买房自住的情况，因为买房投资肯定是用现金最好，不动CPF公积金以免影响未来的退休金。

一、CPF付首付的3大优势

案例：刘先生，32岁，用CPF支付HDB首付

  • 保留现金应急资金（6个月生活费）
  • 享受CPF利息优惠（固定利息，刚好那个时期比银行贷款利率低）
  • 不影响现有投资组合流动性

数据说话：

  • 用CPF支付首付的新加坡人占比：78%
  • 新加坡平均组屋价格：$400,000（2023年HDB数据）
  • 首付比例：25%（即$100,000）
  • 实际平均CPF使用额：$80,000（因部分人混合支付）

 

流动性价值：

  •  这$80,000若不用CPF就必须用现金
  • 保留的现金可用于：
    ✓ 紧急备用金（建议6个月生活费）
    ✓ 投资机会
    ✓ 装修/家具支出
  • 专业建议补充：
    实际操作中，建议客户保留至少$50,000现金应急。通过合理使用CPF支付首付，大多数家庭确实可以节省$50,000-$100,000的现金支出。

二、现金付款的4个黄金时机

  1. CPF余额不足时：避免过度提取影响退休金
  2. 贷款额度紧张时：提高贷款获批概率
  3. 短期换房计划时：避免CPF使用限制

三、专业建议：5个决策关键点

  1. 计算CPF利息成本：
    • OA账户2.5%利息 vs 房贷利率3-4%
    • 使用CPF计算器比较长期成本
  2. 评估应急资金：
    • 现金付款后至少保留6个月生活费
  3. 考虑人生阶段：
    • 年轻夫妻：可多用CPF保留现金
    • 中年人士：控制CPF使用保障退休
  4. 分析税务优惠：
    • 现金付款可能享受更多退税
    • 咨询专业税务顾问
  5. 规划未来需求：
    • 预计3年内要换房？慎用CPF
    • 计划提前退休？控制CPF提取

四、3种聪明混合支付方案

方案A：70%CPF + 30%现金

  • 适合：首购组屋的年轻夫妇
  • 优点：平衡流动性和退休保障

方案B：50%CPF + 50%现金

  • 适合：购买EC的执行级人士
  • 优点：优化贷款额度与税务

方案C：30%CPF + 70%现金

  • 适合：购买二手公寓的投资者
  • 优点：最大化CPF利息收益

五、特别提醒：新加坡永居PR购房须知

  • PR只能用CPF支付15%首付上限
  • 额外买家印花税(ABSD)影响更大
  • 贷款限制比公民更严格

 

常见错误：我见过客户过度使用CPF付首付，结果发现退休账户只剩$30,000，现在60岁还要打工补CPF。

常见问题：买房后，应该要买多少钱的人寿保险来匹配我的贷款金额？

 

若你想了解该如何分配CPF和现金来买房，随时联系我。

WhatsApp: +65 86802340
微信: lidwinabq

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 unbiased 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.

Published By:

Lidwina Teo 维娜

With over 5 years of experience in client service industries, I come to understand and appreciate the importance of high-quality customer service and customer experience. The key is to always prioritize the best interests of customers, ensuring their needs and expectations are met with professionalism.

The passion for client service extends into my current role where I strive to deliver personalized financial planning services. With more than 150 business partners in our company, I can help you achieve your financial goals by analyzing various financial products and offering tailored financial advice. 

Contact me now to request for a quotation or schedule a coffee session for further discussion. See you soon!

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根据《个人数据保护法》，鑫盟理财私人有限公司征求您的同意向您收集并使用您的个人信息。鑫盟理财将根据公司的个人数据保护政策所阐述的用途使用您的个人资料（例如姓名，证件号码，联系电话，邮寄地址，电邮地址和照片）。 该政策可在本公司网站上查寻，网址为 https://fa.com.sg/data-protection-policy/.

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  • Financial Alliance Pte Ltd ( “FAPL”) is licensed by the Monetary Authority of Singapore (“MAS”) and allowed to conduct financial advisory activities in accordance with the Financial Advisers Act (Cap. 110) (“FAA”) and the Securities & Futures Act (Cap. 289) (“SFA”) within the jurisdiction of the Republic of Singapore and in accordance with the licenses granted by MAS
  • 鑫盟理财私人有限公司( “鑫盟理财”)持有由新加坡金融管理局(“MAS”)所颁发的牌照，并许可在新加坡共和国境内依据财务顾问法（第110章）和证券与期货交易法（第289章）进行财务咨询等相关业务
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  • As an integral part of the provision of such services, FAPL may from time to time make available to such residents, documents and information making reference to capital markets products (for example, in connection with the provision of fund management or investment advisory services outside of the foreign jurisdiction).
  • 作为提供此类服务的一部分，鑫盟理财会不时向此类咨询者提供有关产品的参考文件和信息（例如，关于海外司法管辖区以外的资金管理或投资咨询服务等信息）。
  • Such documents and information are provided by Financial Alliance Pte Ltd (“FAPL”) is for general information only and is not intended for anyone other than the recipient.
  • 此类由鑫盟理财所提供的文件和信息仅供收件人做一般信息参考。
  • It does not take into account the specific investment objectives, financial situation or particular needs of any particular person.
  • 此类文件和信息不会把-个人投资目标，财务状况或其特定需求等考虑在内。
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  • These documents may not be published, circulated, reproduced or distributed in whole or in part to any other person without FAPL’s prior written consent.
  • 未经鑫盟理财的事先书面同意，不得将这些文件全文或部分发布，传播，复制或分发给其他人。
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  • You shall ensure that you have and will continue to be fully compliant with all applicable laws in your home country when entering into discussion or contracts with FAPL.
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In compliance with the Personal Data Protection Act, Financial Alliance Pte Ltd (“FAPL”) seek your consent to collect and use your personal data (e.g. name, NRIC, contact numbers, mailing addresses, email addresses and photograph) for the purposes of and in accordance with FAPL’s Data Protection Policy, which can be found on FAPL’s website at https://fa.com.sg/data-protection-policy/.

根据《个人数据保护法》，鑫盟理财私人有限公司征求您的同意向您收集并使用您的个人信息。鑫盟理财将根据公司的个人数据保护政策所阐述的用途使用您的个人资料（例如姓名，证件号码，联系电话，邮寄地址，电邮地址和照片）。 该政策可在本公司网站上查寻，网址为 https://fa.com.sg/data-protection-policy/.

By submitting this form, you are deemed to have read and understood FAPL’s Personal Data Policy.

提交此表格，即表示您已阅读并理解鑫盟理财私人有限公司的个人数据政策