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使用公积金储蓄购房：需留意其中的代价

争取获得更高的公积金终身入息计划（CPF Life）派息，并善享公积金储蓄的优厚利率

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Leslie Yee

Leslie Yee

Published Tue, Jan 13, 2026 · 04:14 PM
    • 拥有房产通常被视为保障退休后经济充足的关键支柱之一。
    • 拥有房产通常被视为保障退休后经济充足的关键支柱之一。 照片：TAY CHU YI, 《商业时报》

    本文由AI辅助翻译

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    购买房产是一项重大的财务承诺。对许多人而言，能够使用公积金普通户头（CPF Ordinary Account, 简称OA）的储蓄，为支付首付或偿还房屋贷款提供了巨大帮助。

    2024年，共有720,521名会员为购买建屋发展局（HDB）组屋提取了75亿新元的净额；而为购买私人住宅提取的净额则为61亿新元，涉及276,068名会员。

    2025年前九个月，从中央公积金（CPF）户头中提取用于购买组屋和私人住宅的净额分别约为58亿新元和36亿新元。

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