请教版上行家两个有关还房贷的问题

前几天刚好看到别的贴讨论到1) 可以 2) 需要，oa+sa的钱可以算1) 可以 2) 需要，oa+sa的钱可以算

你的信息确认是正确的吗？呼唤版上资深中介证实一下。我刚才收到CPF的回复如下：意思好像可以用完OA的钱。是我理解错吗？
We note that you and your wife had refunded the full principal amount used for the HDB flat and the accrued interest to your respective CPF accounts.

As you both currently do not own any property purchased with your CPF savings, you can use all the available amount in your respective Ordinary Account to purchase the private property and to service the housing loan up to the property's Valuation Limit (VL). This is if your property has a remaining lease of at least 60 years. VL is the purchase price or the value of the property at the time of purchase, whichever is lower.
我刚才收到CPF的回复如下：意思好像可以用完OA的钱。是我理解错吗？
We note that you and your wife had refunded the full principal amount used for the HDB flat and the accrued interest to your respective CPF accounts.

As you both currently do not own any property purchased with your CPF savings, you can use all the available amount in your respective Ordinary Account to purchase the private property and to service the housing loan up to the property's Valuation Limit (VL). This is if your property has a remaining lease of at least 60 years. VL is the purchase price or the value of the property at the time of purchase, whichever is lower.

关于房贷，其实第一和第二问题是关联的。你可以用OA的钱还第一套的剩下贷款；如果你用现金还第一套，你买第二套公寓，因为第一套没有动用到CPF, 所以用CPF来还，没有half minimum sum的限制。其实第一和第二问题是关联的。你可以用OA的钱还第一套的剩下贷款；如果你用现金还第一套，你买第二套公寓，因为第一套没有动用到CPF, 所以用CPF来还，没有half minimum sum的限制。

我是在这个贴里看到的

好像这个和年龄有关55岁以前买第一套房 OA可以全部用光, 55岁以后用,就有MS的限制55岁以前买第一套房 OA可以全部用光, 55岁以后用,就有MS的限制

1)可以；2）不需要其实就是CPF OA可以全额用来支付一套房子 (有个支付顶限，但很少人会受影响，所以不在讨论范围内)，第二套开始就需要set aside 50% of minimum sum其实就是CPF OA可以全额用来支付一套房子 (有个支付顶限，但很少人会受影响，所以不在讨论范围内)，第二套开始就需要set aside 50% of minimum sum

你好像误解了我的意思

第二个问题的答案应该是可以吗？假如第一套房曾经用过cpf,已经全部填回，贷款也现金还完的情况下。再买第二套房，想用cpf还款，cpf oa可以全部动用吗？假如第一套房曾经用过cpf,已经全部填回，贷款也现金还完的情况下。再买第二套房，想用cpf还款，cpf oa可以全部动用吗？

对cpf来说，你用过cpf买房么？cpf的一套二套定义和你的一样否？

跟CPF确认了，可以的。有人实际操作过吗？有人实际操作过吗？