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CPF

Ubah CPF Contribution/Installment for HDB loan
1) Kontak Banknya,
-sapa tahu interest kamu skrg tinggi bisa minta turun.
-trus kasih tahu juga soal pembayaran mau lebih banyak pake CPF tiap bulannya
-Cek sapa tahu kamu terima bonus gaji dst dll, ORDINARY ACCOUNT khan byk $$$
bisa dipake untuk ngurangin loan, ngak?
Biasa minimum $5000-$10000, tiap bank beda-beda aturannya
2) Ambil formulir dari CPF branch office/print dari websitenya.
Atau telpon CPF customer service utk meng-guide kamu. (sori ini balas email asap aja, jadi gak sempat nyari detail infonya)
Dulu sih gampang, isi formulir itu kasih ke CPF branch beresss
Mungkin sekarang ada perubahan peraturan, bisa cek sama CPF.
- mesti isi form HBL3
http://mycpf.cpf.gov.sg/NR/rdonlyres/D3F5E6F4-774B-4453-9289-5E5FA449217F/0/HBL3.pdf
trus dimasukin ke box di CPF office terdekat
kalo mau ngubah monthly deduction tinggal isi bagian B & E sama Particulars aja, sama tanda tangan, yg laen bisa dikosongin
- tinggal ke my CPF online, ambil My CPF, lalu My Request, Other CPF Matters, Submit My e-Concierge request, lalu ambil Housing
ketik message kamu di situ, jangan lupa klik necessary info
- Kalo gw dulu langsung datangin kantor HDB terdekat truz bilang mau ubah cicilan, document etc diurus disana... langsung beres tuh..:D

To top-up CPF, can use cheque.
1. Siapa yang harus bayar CPF?  (SPR dan PR saja  / WP dan S or E pass jg?) Singaporean dan PR aja
2. Wajib kah hukumnya CPF? Iya wajib buat Sporean and PR.
3. Bisa digunakan untuk apa saja fasilitas dari CPF? Beli rumah, investment, tabungan hari tua, asuransi kesehatan, biaya RS (ga 100% sih)
4. Saya baca di websitenya kalau sudah tidak PR boleh ambil kembali uang CPF nya, tapi katanya teman susah, benarkah susah? Bisa diambil balik uangnya. Prosedurnya ga tau.. ga pengalaman buat ini.
5. CPF memang besar ya nilainya? katakan gaji saya 2000 saja, CPF nya sudah 400, wow beban juga donk? Untuk PR Th pertama CPF 5% dan employer 4%, th kedua 15% dan employer 9%, tahun ketiga dan seterusnya 20% dan employer 14.5%. Ya itu kan tabungan nantinya, jadi anggap aja saving.

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