How much should I leave in OA for housing needs, while transferring the rest to SA for higher interest?

Hi anon,

This is a rather broad question as we don't know the full specifics of your situation, but generally I would keep at least the first $20K in OA to earn the extra 1% interest if I can. On top of that, if the downpayment is already paid, then one should ensure that one has at least 12 - 18 months of housing installments in OA in the event one loses their job, so that the OA can continue to sustain the mortgage and you won't have to dip into your cash reserves while looking for another job.

If you are thinking of preparing for a downpayment, then I'd suggest that you calculate how much you need, and add a buffer as there are other fees like legal fees and such which can be paid by CPF as well.