Calculator · CPF usage

CPF lease calculator: the age-95 rule

Older leasehold condos can limit how much CPF you are allowed to use. Enter the youngest buyer's age to see your usable CPF for any remaining lease, and for condos near Lorong Chuan.

By Law Viona, PropNex Realty Pte Ltd · Updated 5 Oct 2026

Age of youngest buyer Remaining lease (years) Valuation limit (S$)Lower of price or valuation

Usable CPF—

CPF usable up to—

Project	Lease left today	Usable CPF at your age	For a buyer 10 yrs later*

*Your future buyer, at the same age, with 10 fewer years of lease. This shows how the pool of fully-financed buyers shrinks as a lease ages.

Why this matters when you sell

You may be fine today. But when you sell in 10 years, your buyer faces a shorter lease. With 54 years left, a 30-year-old buyer can use only about 76% of the Valuation Limit from CPF, and a 25-year-old only about 68%. Fewer buyers can then afford your unit comfortably. A fresh 99-year lease like One Chuan Grove’s avoids this problem for decades.

Frequently asked questions

What is the CPF age-95 rule?

Since 10 May 2019, you can use CPF in full for a property only if its remaining lease covers the youngest buyer until at least age 95. If it does not, CPF usage is pro-rated. No CPF can be used if the remaining lease is under 20 years.

How is pro-rated CPF usage calculated?

Usable percentage = (remaining lease − 20) ÷ (95 − youngest buyer’s age − 20), applied to the Valuation Limit (the lower of price or valuation). For example, a 25-year-old buying a property with 65 years left can use 90%.

Does the age-95 rule affect One Chuan Grove?

No. As a new 99-year leasehold project, One Chuan Grove’s lease covers any adult buyer to age 95, so full CPF usage (up to the Valuation Limit) applies. It remains an issue for older resale condos with 60–70 years left.

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