https://www.cpf.gov.sg/member/faq/retirement-income/retirement-withdrawals/how-much-can-i-withdraw-from-my-cpf-accounts-

More than your Full Retirement Sum

(i) $5,000, or your Special and Ordinary Account savings above your Full Retirement Sum, whichever is higher

and

(ii) Any Retirement Account savings (excluding interest earned, any government grants received and top-ups made under the Retirement Sum Topping-up Scheme) above the Basic Retirement Sum, if you own a property with remaining lease that can last you to at least 95 years old.

从这里看，不管有没有没有房产抵押的话， frs往上的部分都可以取的（包括top up的部分）
有房产抵押的话，brs+top up的部分不可以取。

和i里的内容没关系啊。中间空了一大行（你可以看下链接的原文，更清楚一些）

https://www.heartlandboy.com/money-withdraw-from-your-cpf-at-55/ 这里的理解和我理解的一样的。

准备写个email去问下cpf。