供房贷：使用 CPF 还是用现金？

 “我应该用 CPF 还是现金支付我每月的房贷？”

这可能是要买房的人们经常考虑的问题。

您应该选择哪个？

让我们来看看吧！

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情境一：用现金支付房贷，把 CPF 里的钱留在 CPF 赚利息

这是最不常见新加坡人用来支房贷的方式。

1. 当您将您的资金保留在 CPF OA 里，您可以赚取 CPF OA 的利息（2.5% + 1%）。
2. 使用现金支付房贷款也不会产生 accrued interest。
3. 但用此方式付房贷，您的流动现金会减少。因此不建议大多数人这样做，除非您有相当大的一笔现金或收入来维持您的每月房贷。

我所认识的那些人会这样做的人，

1. 有足够的现金/工资支付他们每月的房贷，
2. 故意保留他们的钱在 CPF 里以获得高利率。

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情境二：使用 CPF 支付房贷

这是绝大部分新加坡人最常用来支付房贷的方式。

大多数人的想法是：我的钱被锁在 CPF 里。我得等到 65 岁才能取出，大不如好好把用它来支付我每个月的房贷。

1. 您将无法赚取 CPF 利息，因为这笔钱已被用于支付您的物业。
2. 您所动用的 CPF 资金将会累计 accrued interest。将来当您卖房子时，您需要将所动用的资金 + accrued interest 一起归还到您的 CPF 账户中。
3. 您可以留有现金在手！手里有现金，若祥投资或用于其他用途都行。

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总结

最后一切都得根据您自身的情况，决定哪个是最适合您的方式。

没有正确或错误的选择；只有是否适合您的选择。 

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