Understanding 2nd home loan and CPF usage available

Got this to share and hope it is useful.

1^st property and 1^st home loan

1^st 5% = Cash
Next 15% = Cash or CPF
Remaining 80% = Cash or CPF or Home Loan

Can using all balance in CPF ordinary account (OA).

2^nd property and 2^nd home loan

1^st 10% = Cash
Next 30% = Cash or CPF
Remaining 60% = Cash or CPF or Home Loan

CPF ordinary account (OA)  + special account (SA) must keep at least $65,500, then can use the rest. So if SA got $65,500, then you can use all in OA.

2^nd property and 1^st home loan

1^st 5% = Cash
Next 15% = Cash or CPF
Remaining 80% = Cash or CPF or Home Loan

CPF usage – depends.

If you never use CPF in your 1^st property, you can use all balance in CPF ordinary account (OA).

If you use CPF in your 1^st property, then CPF ordinary account (OA)  + special account (SA) must keep at least $65,500, then can use the rest. So if SA got $65,500, then you can use all in OA.

3^rd property and 1^st home loan

Same as 2^nd property and 1^st home loan. =)