The maximum amount you can voluntarily top up is the difference between the CPF Annual Limit of $37,740 and the mandatory CPF contributions made for the calendar year.
Do remember to consider your mandatory CPF contributions which you will be receiving for the calendar year, before making voluntary top-ups. If the total mandatory CPF contributions and voluntary top-ups exceed the CPF Annual Limit in the calendar year, any excess voluntary top-ups will be refunded without interest.
请问如果同时有SA top up 和 home loan refund两个选择。如果选择SA top up有4% 利息。如果选home loan refund,可以省2.5%自己要还的利息,还有其自身产生的利息。里外里就5%利息。那么这么算的话,就该先做home loan refund 才划算。
不知道这么算对吗?qing zhi jiao
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