谢谢小土原来高利率环境下，应该拉长年限，少还利息。

提前partial payment有罚款的吧，好像是1.5%

高过2.6%吧就算贷款利率2.6%，还是放OA稍微划算一点点 以前一个帖子有人算过 http://bbs.huasing.org/sForum/bbs.php?B=107_14858820

SA已经有6万了就无所谓留不留OA吧反正额外1%是combined balance（文末贴了官方解释），这个balance是从OA还是SA来没差，不需要用3.5%去跟贷款利率比，就是用2.5%比。 你现金流压力不大的话也是可以考虑干脆OA全转去SA，贷款利率不容易上到4%吧。不过万一过了4%就只能干瞪眼了。 ——————— Your accounts are used to compute your combined CPF balances in the following order: - 1st: Retirement Account (RA), including any CPF LIFE premium balance - 2nd: OA, with a cap of $20,000* - 3rd: Special Account (SA) - 4th: MediSave Account (MA) *A cap of $20,000 from OA is imposed because OA savings are short-term in nature and can be withdrawn on demand for a few purposes such as housing and education.

这种可以用cpf还的吗？还是只能用现金？我记得我ocbc签的时候也是有这个条款