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Guides

Free, in-depth guides to Singapore property — taxes, stamp duty, HDB, and resale. Each topic is a hub with sub-topics so you can browse from the broad overview down to the specific question. All numbers verified against IRAS, HDB, MAS, and CPF Board.

Educational — not financial, tax, or legal advice. For your specific transaction, verify directly with the regulator or your conveyancing lawyer.

Buyer's Stamp Duty (BSD)

Complete guide to BSD in Singapore — tiered rates, formula, deadline, exemptions, how it stacks with ABSD.

HDB Minimum Occupation Period (MOP)

Complete guide to HDB MOP — Standard, Plus, Prime, resale with grant, DBSS, EC. Rules, exceptions, what changes after MOP.

Additional Buyer's Stamp Duty (ABSD)

Complete guide to ABSD — current rates by SC / PR / Foreigner / Entity, remissions, trustee 65%, FTA exception, rate history since 2011.

TDSR & MSR — Housing Loan Rules

Complete guide to Singapore housing loan eligibility — TDSR (55%), MSR (30% HDB/EC), stress-test rates, variable income haircut, LTV interaction.

CPF for Housing

Complete guide to using CPF for property in Singapore — OA usage, Withdrawal Limit, accrued interest, age 95 rule, refund on sale.

Property Tax (Annual)

Annual property tax — owner-occupier (0%–32%) vs non-owner-occupier (12%–36%), Annual Value, HDB rates, payment deadline.

Lease & Tenancy

Singapore residential lease — rental stamp duty, tenancy agreement clauses, diplomatic clause, landlord/tenant rights, renewal.

Estate Agents Act & CEA

EAA 2010 & CEA regulation — licensing, CEPCC code of practice, disciplinary actions, CPD, public register.

Foreign Buyer Guide

For foreigners buying Singapore property — what's permitted, restricted, prohibited; Sentosa Cove; LDAU; step-by-step process.

Calculators paired with these guides

For numbers and what-if scenarios, see the free Singapore property calculators — BSD, ABSD, SSD, loan eligibility, mortgage, MOP countdown, CPF accrued interest, and more.