Buying a hdb flat....

Hmm looking at the table.... and the hdb flat cost... I really thinking should I buy a flat the price is really too high for me to effort it...After the age of 35 the $$$ to Ordinary Account is dropping...I really don't think my salary scale will be faster than the dropping rate.....So at some point onward I would need to pay using cash.....

If I need to pay the flat till 60 plus... I would need to use cash to top-up the balance.. But at that age.. I would wish to have more cash on hand than paying flat... :( It getting tougher to own a flat....

Employee Age (Years)	Contribution Rate (for monthly wages exceeding $1,500)			Credited into
	Contribution by Employer (% of wage)	Contribution by Employee (% of wage)	Total Contribution (% of wage)	Ordinary Account (% of wage)	Special Account (% of wage)	Medisave Account (% of wage)
35 & below	15.5	20	35.5	23	5.5	7
Above 35-45	15.5	20	35.5	21	6.5	8
Above 45-50	15.5	20	35.5	19	7.5	9
Above 50-55	11.5	18	29.5	13	7.5	9
Above 55-60	8.5	12.5	21	11.5	0.5	9
Above 60-65	6	7.5	13.5	3.5	0.5	9.5
Above 65	6	5	11	1	0.5	9.5

Note: If the monthly wages are less than $1,500, please refer to the CPF Contribution Rates Table.