BTO首付，付现金还是CPF?

能用cpf干嘛不用cpf？ 除非cash太多花不完。。。

这个要看你自己的需求。如果你能拿现金投资超过cpf的利息，那么就用cpf，保留现金投资。如果你现金在手上也不知道干啥，只能存银行，那还是保留cpf，至少利息高一点。

谢谢，手上有点现金，但也不懂什么投资。所以才在纠结。

我也是这想法，但我老公倾向于用cash，因为没什么投资，目前也只能存银行。

跟楼主想法一样

有现金就付现金吧

Bto不会管你的首付问题，Hdb会把你的Cpf扣到完为止，即使你给了现金。

啊？就是HDB不同意全部给现金，一定要扣完CPF是吗?

HDB Loan一定要先把CPF扣完~~~要是想多给现金，可以申请银行贷款。。。

http://www.hdb.gov.sg/cs/infoweb ... on-on-your-hdb-loan
Use of CPF savingsYou must use all of the available savings in your CPF Ordinary Account for the purchase or transfer of the flat, before a housing loan from HDB is granted for the remaining amount. This is subject to the CPF withdrawal limits for properties with less than 60 years of lease remaining.If you choose to, you can first set aside CPF Ordinary Account savings for the amount payable for the stamp, registration, and conveyancing fees, as well as the CPF HPS premium (if applicable), before using all of the remaining available savings.Your CPF Ordinary Account savings can be used to pay up to 100% of the Valuation Limit (VL) of the flat. The VL is the purchase price or value of the flat at the time of purchase, whichever is lower. Should you still have an outstanding loan amount when your withdrawals have reached the VL, you may only use your CPF Ordinary Account savings to pay for your flat if you have set aside the prevailing CPF Minimum Sum cash component.More information on the use of CPF savings can be found on the CPF Board website.

好奇一下。楼主的bto买在什么地方？
10%的首付付5w，房子本身就是50w？或者under 30，首付5%，房子本身100w？是个高大上的地方吧？

非常感谢，了解啦。