Singapore Property Finance
TDSR/MSR · Mortgage Loan · SSD · ABSD — all in one place. Free, instant, no personal data required.
Seller's Stamp Duty (SSD) applies when you sell a residential property within 3 years of purchase. Enter the selling price and dates to calculate.
Current ABSD Rates (from 27 Apr 2023)
| Buyer Profile | 1st Property | 2nd Property | 3rd+ Property |
|---|---|---|---|
| SG Citizen | 0% | 20% | 30% |
| SG PR | 5% | 30% | 35% |
| Foreigner | 60% | 60% | 60% |
| Company / Entity | 65% | 65% | 65% |
| SC + SC (Married, 1st jointly) | 0% | — | — |
| SC + PR (Married, 1st jointly) | 5% | — | — |
EC eligibility also requires meeting HDB citizenship and family nucleus conditions. Consult Ryan for a full assessment.
Want a personalised affordability assessment? Ryan can walk you through the full picture including ABSD, CPF usage and timing.
WhatsApp RyanCompare live rates across all major Singapore banks — Ryan can connect you with a licensed mortgage broker at no cost.
Compare Bank Rates| Your Stamp Duty Amount | Your Stamp Duty Rate | Period Held |
|---|---|---|
| — | — | — |
SSD rates as at 11 Mar 2017: Year 1 — 12%, Year 2 — 8%, Year 3 — 4%, after 3 years — Nil. Based on higher of selling price or market value. Residential property only.
Not sure if SSD applies to your situation? Ryan can advise on your specific case.
WhatsApp RyanABSD rates effective 27 April 2023. For joint purchases, the higher rate applicable to any buyer applies to the entire property. US, Norway, Switzerland, Iceland and Liechtenstein nationals receive SG Citizen rates for their first property under respective FTAs. This is for general reference only.
ABSD scenarios can be complex — especially for married couples with different citizenship statuses. Ryan can work through your specific case.
WhatsApp RyanCompare Singapore Banks
Singapore's major banks offer competitive SORA-linked and fixed-rate home loan packages. For the latest rates, speak to Ryan or a licensed mortgage broker — they compare live offers at no cost to you.
Understanding the Rules
Mortgage Servicing Ratio caps monthly mortgage at 30% of gross income. Applies to HDB and EC only.
Total Debt Servicing Ratio caps all monthly debt obligations at 55% of gross income. Applies to all property loans in Singapore.
12% (Yr 1), 8% (Yr 2), 4% (Yr 3), Nil after 3 years. Based on higher of selling price or market value.
SG Citizens — 0%/20%/30% for 1st/2nd/3rd property. PRs — 5%/30%/35%. Foreigners — 60% flat. Rates from 27 Apr 2023.