Paper 2

Marketing, CPF & Finance

Property marketing, CPF rules, mortgage financing

145 practice questions available in the app

Study Guide

Marketing, CPF & Finance is part of Paper 2 — Real Estate Agency of the RES examination. This topic covers property marketing, cpf rules, mortgage financing.

Key facts

  • Part of Paper 2 (Estate agents act, property transactions, taxation)
  • 145 practice questions in the app
  • Multiple choice format — 4 options per question
  • Must score 75% or higher on Paper 2 to pass

Use the sample questions below to test your understanding. For comprehensive practice with all 145 questions, progress tracking, and timed exam simulation, download the Prepare app.

Try Sample Questions

Test your knowledge with 5 free questions from this topic.

Question 1 of 5

Effective December 2025, CPF members without any property financed by CPF that guarantees coverage until at least age 95 will be required to reserve the _ before they can utilise surplus Ordinary Account funds for the acquisition of a second or subsequent property.

Frequently Asked Questions

How much CPF can be used for property purchase in Singapore?
CPF Ordinary Account (OA) funds can be used for property purchase up to the Valuation Limit. For properties with remaining lease of less than 60 years, CPF usage is pro-rated. Buyers must also set aside the Basic Retirement Sum in their CPF before using funds for a second property.
What is the Total Debt Servicing Ratio (TDSR) in Singapore?
TDSR limits a borrower's total monthly debt obligations (including the new property loan) to 55% of gross monthly income. This applies to all property loans from financial institutions and was introduced by MAS as a cooling measure to promote financial prudence.
What is the Loan-to-Value (LTV) limit for property loans?
For the first housing loan, the LTV limit is 75% (or 55% if the loan tenure exceeds 30 years or extends beyond age 65). For the second housing loan, it drops to 45% (or 25%). For the third and subsequent loans, it is 35% (or 15%). These limits encourage prudent borrowing.
How many CPF & Finance questions are on the RES exam?
There are approximately 145 practice questions on Marketing, CPF & Finance. This topic covers CPF usage rules, mortgage calculations, TDSR/MSR frameworks, and property marketing regulations — all essential knowledge for advising clients.

Study Resources for Marketing, CPF & Finance

Topic Explainer8 min read

TDSR and MSR: Exam-Ready Worked Examples

Step-by-step TDSR (60%) and MSR (30%) calculations with realistic scenarios. Income types, variable vs fixed rate stress tests, and exam question patterns.

22 March 2026

Topic Explainer8 min read

Singapore Property Calculations for RES Exam: Master Guide

Master every calculation tested in the RES exam — BSD, ABSD, SSD, TDSR, MSR, CPF limits, rental yield, and property tax. Step-by-step with worked examples.

22 March 2026

Topic Explainer9 min read

Property Marketing Rules in Marketing, CPF & Finance: RES Exam Deep Dive

In-depth analysis of Property Marketing Rules within Marketing, CPF & Finance. Essential knowledge for the RES exam with detailed explanations and practical examples.

14 February 2026

Topic Explainer9 min read

TDSR and MSR Framework in Marketing, CPF & Finance: RES Exam Deep Dive

In-depth analysis of TDSR and MSR Framework within Marketing, CPF & Finance. Essential knowledge for the RES exam with detailed explanations and practical examples.

14 February 2026

Practice all 145 Marketing, CPF & Finance questions

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