Central Provident Fund Board
79 Robinson Road, CPF Building, Singapore 068897
Website: www.cpf.gov.sg CPF Call Centre: 1800-227 1188
HSD-LAD1
CPF File Reference:
CPF FRN
LETTER OF AUTHORISATION, DECLARATION, CONSENT & AGREEMENT
This form is to be completed for completed property.
Please submit the original copy to the CPF Board’s Solicitors immediately after submitting the RPS/1A application online.
Only relevant pages of the LAD that are applicable for the case are required to be furnished.
Instruction:
Only buyers who are using CPF savings need to complete and sign Part 1 & 2 of this document.
Part 1: Authorisation to Submit Application to Use CPF for Private Property Purchase Online
To : Name of Law Firm
I/We Name of Buyer(s) hereby authorise you to submit my/our application to use my/our CPF savings under
the Residential Properties Scheme to buy the property at Property Address via the CPF Business Partners
Online Applications at http://www.cpf.gov.sg.
Part 2: Declaration, Agreement, Undertaking & Acknowledgement
(a)
I/ We declare that:
(i) All the particulars provided in this application are true and correct.
(ii) I am/We are not (an) undischarged bankrupt(s).
(iii) The seller is not related to me/any of us. [If related, please state name and NRIC no. of seller, and
relationship: Name and NRIC no. of seller and relationship
(b)
I/We understand that acceptance by the Board of this application does not imply that the Board will
approve the withdrawal(s) applied for.
(c)
I/We agree and undertake to pay all valuation fees, legal costs and other expenses incurred by the
Board for the processing of the application and all matters consequential thereto regardless of whether
this application is approved. I/We hereby authorise the Board to deduct from my/our CPF account(s) the
aforesaid expenses and if applicable to apportion such deduction between us in such proportion as you
may determine.
(d)
I/We acknowledge that the withdrawal from my/our CPF account(s) under the Residential Properties
Scheme as approved by the Board shall be as instructed from time to time by me/us or my/our solicitors
or my/our mortgagees. I/We hereby authorise the Board to deduct from my/our CPF account(s) each
and every of the aforesaid withdrawals as approved by the Board.
(e)
I/We understand that this application is subject to the provisions of the Central Provident Fund Act
(Chapter 36) (“CPF Act”) and the subsidiary legislation made thereunder and all such terms and
conditions as may be imposed from time to time. I/We have read, fully understood and agree to
comply with and abide by the Terms and Conditions of the Residential Properties Scheme and terms in
the most recent Memorandum of Mortgage filed by the Board with the Registrar of Titles.
In particular, I/we understand the following:
(i)
The use of CPF (lump sum payment and monthly instalments) for the purchase of the property is
subject to the following housing limits at different points in time: Valuation Limit (VL), and
Withdrawal Limit (WL). I am/We are aware that no further use of CPF towards the payment of the
property will be allowed once the applicable limit mentioned above has been reached^.
* Delete where not applicable
Revised in Jan 2014
Page 1
Central Provident Fund Board
HSD-LAD1
79 Robinson Road, CPF Building, Singapore 068897
Website: www.cpf.gov.sg CPF Call Centre: 1800-227 1188
(ii) The implications of holding the property as joint tenants or tenants-in-common1 as explained to
me/us by my/our solicitor.
^ For more information on the definition of the various limits and computation of the estimated timeframe to reach the limits, please use the online calculators at the CPF Website
(http://www.cpf.gov.sg) or approach your financier.
(f)
I/We understand that if my/our application is approved, the Board will lodge with the Registrar of Titles,
an instrument (which shall be in such form as the Registrar of Titles may require) for the purpose of
registering or notifying the charge created under the CPF Act on the property.
Dated DD / MM / YYYY .
Signature of Main Applicant
Name : Name of Main
Applicant
CPF a/c: Nric No. of Main
Applicant
Signature of Co-applicant (1)
Name : Name of Co-Applicant
(1)
CPF a/c: Nric No. of CoApplicant (1)
Signature of Co-applicant (2)
Name : Name of Co-Applicant
(2)
CPF a/c: Nric No. of CoApplicant (2)
Signature of Witness
Name: Name of Main Witness
Advocate & Solicitor / Notary
Public
The CPF Letter of Approval will be sent to the Main Applicant’s official address that is maintained with the Board.
1
Joint Tenants
If you and your co-owners hold the property as joint tenants, each of you as a co-owner owns the whole interest in the property and there are no
shares. Joint tenants have to act jointly to effectively bind the estate which they hold jointly. When one owner dies, that owner's interest in the
property will automatically pass to the remaining owner or owners who will hold the entire property absolutely in his/her own names. A will or
testament of the deceased will not prevent the passing of the deceased owner's interest to the remaining surviving owner or owners.
Tenants in Common
If you and your co-owners hold the property as tenants in common, each of you as a co-owner has your own respective share in the property, which
may be in equal or unequal shares. When one owner dies, that owner's interest in the property will pass by inheritance, either by will or testament
or if the owner dies intestate, according to written laws relating to intestacy for the time being in force.
Revised in Jan 2014
Page 2
Central Provident Fund Board
HSD-LAD1
79 Robinson Road, CPF Building, Singapore 068897
Website: www.cpf.gov.sg CPF Call Centre: 1800-227 1188
CPF File Reference:
CPF FRN
Instruction:
This is only applicable for buyers who are Non-Related Singles who are jointly buying the property.
All buyers of the property including those who are not using CPF need to complete and sign this
part.
Part 3 : Declaration, Agreement, Undertaking & Acknowledgement
In addition to Part 2 above, we further declare that:
(i)
We are singles (unmarried, divorced with Decree Nisi Absolute/Final Judgement (Divorce) obtained,
widowed).
(Please tick, where applicable)
(ii)
I/We (Name of buyer(s)) have not used CPF for any existing property (private residential
property or HDB flat); OR
I/We (Name of buyer(s)) have used CPF for an existing property (private residential property
or HDB flat). However, I/we undertake to sell my/our existing property or voluntarily refund
the CPF used for my/our existing property before the release of CPF savings for the property
mentioned in Part 1 above.
I/We (Name of buyer(s)) have used CPF for an existing property (private residential property
or HDB flat) but will not be using CPF for the property mentioned in Part 1 above.
Dated DD / MM / YYYY .
Signature of Buyer (1)
Name : Name of Buyer (1)
CPF a/c: Nric No. of Buyer (1)
Signature of Buyer (2)
Name : Name of Buyer (2)
CPF a/c: Nric No. of Buyer (2)
Signature of Witness
Name: Name of Main Witness
Advocate & Solicitor / Notary
Public
Revised in Jan 2014
Page 3
Signature of Buyer (3)
Name : Name of Buyer (3)
CPF a/c: Nric No. of Buyer (3)
Central Provident Fund Board
HSD-LAD1
79 Robinson Road, CPF Building, Singapore 068897
Website: www.cpf.gov.sg CPF Call Centre: 1800-227 1188
CPF File Reference:
CPF FRN
Instruction:
This is only applicable where there is more than 1 buyer. To be repeated for each buyer, where
applicable.
Part 4: Consent and Agreement By Buyer(s)
I, Name of Buyer, as the buyer of the abovementioned property hereby irrevocably consent to all my
registered estate or interest in the abovementioned property being charged to the Board under the CPF
Act to secure repayment to the Board of all moneys withdrawn by the said Name of all other buyers
withdrawing CPF funds from his/her/their account(s) with the Board whether before, on and/or after the
date of this application together with all interest thereon as may be provided in the applicable CPF laws.
I agree to observe, comply with and be bound by the terms and conditions of the Residential Properties
Scheme and terms in the most recent Memorandum of Mortgage filed by the Board with the Registrar of
Titles. I confirm, consent and agree to the Board lodging with the Registrar of Titles, an instrument (which
shall be in such form as the Registrar of Titles may require) for the purpose of registering or notifying the
charge created under the CPF Act on the property.
Dated DD / MM / YYYY .
Signature of Buyer (1)
Name : Name of Buyer (1)
CPF a/c: Nric No. of Buyer (1)
Signature of Witness
Name: Name of Main Witness
Advocate & Solicitor / Notary Public
Revised in Jan 2014
Page 4
Central Provident Fund Board
HSD-LAD1
79 Robinson Road, CPF Building, Singapore 068897
Website: www.cpf.gov.sg CPF Call Centre: 1800-227 1188
Part 4 (continued): Consent and Agreement By Buyer(s)
I, Name of Buyer, as the buyer of the abovementioned property hereby irrevocably consent to all my
registered estate or interest in the abovementioned property being charged to the Board under the CPF
Act to secure repayment to the Board of all moneys withdrawn by the said Name of all other buyers
withdrawing CPF funds from his/her/their account(s) with the Board whether before, on and/or after the
date of this application together with all interest thereon as may be provided in the applicable CPF laws.
I agree to observe, comply with and be bound by the terms and conditions of the Residential Properties
Scheme and terms in the most recent Memorandum of Mortgage filed by the Board with the Registrar of
Titles. I confirm, consent and agree to the Board lodging with the Registrar of Titles, an instrument (which
shall be in such form as the Registrar of Titles may require) for the purpose of registering or notifying the
charge created under the CPF Act on the property.
Dated DD / MM / YYYY .
Signature of Buyer (2)
Name : Name of Buyer (2)
CPF a/c: Nric No. of Buyer (2)
Signature of Witness
Name: Name of Main Witness
Advocate & Solicitor / Notary Public
Revised in Jan 2014
Page 5
Central Provident Fund Board
HSD-LAD1
79 Robinson Road, CPF Building, Singapore 068897
Website: www.cpf.gov.sg CPF Call Centre: 1800-227 1188
Part 4 (continued): Consent and Agreement By Buyer(s)
I, Name of Buyer, as the buyer of the abovementioned property hereby irrevocably consent to all my
registered estate or interest in the abovementioned property being charged to the Board under the CPF
Act to secure repayment to the Board of all moneys withdrawn by the said Name of all other buyers
withdrawing CPF funds from his/her/their account(s) with the Board whether before, on and/or after the
date of this application together with all interest thereon as may be provided in the applicable CPF laws.
I agree to observe, comply with and be bound by the terms and conditions of the Residential Properties
Scheme and terms in the most recent Memorandum of Mortgage filed by the Board with the Registrar of
Titles. I confirm, consent and agree to the Board lodging with the Registrar of Titles, an instrument (which
shall be in such form as the Registrar of Titles may require) for the purpose of registering or notifying the
charge created under the CPF Act on the property.
Dated DD / MM / YYYY .
Signature of Buyer (3)
Name : Name of Buyer (3)
CPF a/c: Nric No. of Buyer (3)
Signature of Witness
Name: Name of Main Witness
Advocate & Solicitor / Notary Public
Revised in Jan 2014
Page 6
Central Provident Fund Board
79 Robinson Road, CPF Building, Singapore 068897
Website: www.cpf.gov.sg CPF Call Centre: 1800-227 1188
HSD-LAD1
CPF File Reference:
CPF FRN
Instruction:
This is only applicable where there is transfer of one owner's share in the property to his/her
spouse and any remaining owner(s), without refunding CPF monies withdrawn for the property by
the outgoing owner arising from a division of matrimonial assets .
Part 5(a)*: Consent and Agreement By Remaining Owner(s)
I, Name of Remaining Owner, as the owner of the abovementioned property hereby irrevocably consent to all
my registered estate or interest in the abovementioned property being charged to the Board under the CPF Act
to secure repayment to the Board of all moneys withdrawn by the said Name of Outgoing memberfrom
his/her account(s) with the Board whether before, on and/or after the date of this application together with all
interest thereon as may be provided in the applicable CPF laws.
I agree to observe, comply with and be bound by the terms and conditions of the Residential Properties
Scheme and terms in the most recent Memorandum of Mortgage filed by the Board with the Registrar of
Titles. I confirm, consent and agree to the Board lodging with the Registrar of Titles, an instrument (which shall
be in such form as the Registrar of Titles may require) for the purpose of registering or notifying the charge
created under the CPF Act on the property.
Dated DD / MM / YYYY .
Signature of Remaining Owner
Name : Name of Remaining Owner
CPF a/c: Nric No. of Remaining Owner
Signature of Witness
Name: Name of Main Witness
Advocate & Solicitor / Notary Public
* To complete where applicable
Revised in Jan 2014
Page 7
Central Provident Fund Board
HSD-LAD1
79 Robinson Road, CPF Building, Singapore 068897
Website: www.cpf.gov.sg CPF Call Centre: 1800-227 1188
Instruction:
This is only applicable where there is transfer of one owner's share in the property to his/her
spouse and any remaining owner(s), without refunding CPF monies withdrawn for the property by
the outgoing owner arising from a division of matrimonial assets and new owner(s) are later added
as co-owner(s) .
Part 5(b)*: Consent and Agreement By New Owner(s) Who Are Later Added As Co-owner(s)
I, Name of New Co-Owner, as the owner of the abovementioned property hereby irrevocably consent to all my
registered estate or interest in the abovementioned property being charged to the Board under the CPF Act to
secure repayment to the Board of all moneys withdrawn by the said Names of outgoing member and all other
remaining member(s) from his/her/their account(s) with the Board whether before, on and/or after the date
of this application together with all interest thereon as may be provided in the applicable CPF laws.
I agree to observe, comply with and be bound by the terms and conditions of the Residential Properties
Scheme and terms in the most recent Memorandum of Mortgage filed by the Board with the Registrar of
Titles. I confirm, consent and agree to the Board lodging with the Registrar of Titles, an instrument (which shall
be in such form as the Registrar of Titles may require) for the purpose of registering or notifying the charge
created under the CPF Act on the property.
Dated DD / MM / YYYY .
Signature of New Co-Owner
Name : Name of New Co-Owner
CPF a/c: Nric No. of New Co-Owner
Signature of Witness
Name: Name of Main Witness
Advocate & Solicitor / Notary Public
* To complete where applicable
Revised in Jan 2014
Page 8