官方参考资料

新加坡 HPS 与房贷保障规则

Name: 新加坡 HPS 与房贷保障规则
Creator: Interest.sg

供 Interest.sg HPS 与房贷保障缺口计算器使用的版本控制参考资料。它把 CPF 官方资料连接到透明计算方式，不估算保费、资格、豁免或索赔。

当前资料－已验证

资料日期: 2026-08-03 · 最后成功检查: 2026年9月3日

家居保障计划适用范围

家居保障计划适用范围
项目	CPF 局资料	计算器处理方式
Main scope	CPF members who own an HDB flat and use CPF savings or cash for monthly housing instalments	HPS is modelled only when the user selects HDB and confirms active cover
Private property	HPS does not cover private property, executive condominiums or privatised HUDC flats	HPS is excluded; only explicitly selected private mortgage cover is modelled
Coverage end	Cover ends at age 65 or when the housing loan is paid, whichever is earlier	Projected HPS cover becomes zero at age 65 or loan payoff
Claim events	Death, terminal illness or total permanent disability, subject to scheme terms	The result is a financial scenario and does not predict eligibility or a claim decision

HPS 份额与家庭检查
检查	CPF 局资料	计算器处理方式
Individual share	An owner's share should at least match that owner's share of the monthly instalment	Flags when confirmed active HPS share is below entered payment responsibility
Household total	The owners' total HPS share should add to at least 100%; each owner may choose up to 100%	Shows a household warning when confirmed active HPS shares total below 100%
Payment responsibility	The actual loan and ownership arrangement controls	Requires the entered owners' responsibility shares to total 100% for a clean scenario

HPS 赔付所处理的范围
项目	处理方式
Outstanding housing loan	CPF Board states that a claim payout goes directly to HDB or the mortgagee, up to the insured sum
Current sum assured	Optional user-confirmed certificate amount caps the planning projection; the certificate and mortgagee record prevail
Co-owner scenario	Each result models one selected owner's claim scenario and does not add all owners' cover as if claims occur together

何时检查或调整保障
触发情况	官方后续步骤
Loan amount or repayment period changes	Review or adjust HPS cover with CPF Board
Partial capital repayment	Review the insured sum and remaining loan
Ownership or instalment share changes	Review each owner's HPS share
Need a premium estimate	Use the official CPF HPS Premium Calculator

Interest.sg 工具范围
包括	不包括
Mortgage amortisation and user-confirmed cover over time	Premiums, eligibility, exemption decisions, claim prediction, product comparison or replacement advice

官方资料可能更改。作出决定前，请打开以上来源确认最新规则；Interest.sg 不会估算缺失的官方数值。

引用建议：Interest.sg，《新加坡 HPS 与房贷保障规则》，资料日期 2026-08-03，最后成功检查 2026年9月3日。