这个理解好像不太对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。