Property rules, explained
Every guide here has been checked against IRAS, MAS, HDB or CPF and shows when it was last reviewed. When a rule changes, we update the guide within a day.
Stamp duty and ABSD
What you pay on buying and selling, and how to legally reduce it.
- How Buyer's Stamp Duty Is Calculated in Singapore (2026): Rates and Examples
How BSD is calculated in Singapore: the 2026 rates of 1% to 6% by tier, the formula and worked examples (S$1.5M = S$44,600), checked against IRAS.
Reviewed 27 Sep 2026
- ABSD Singapore 2026: Rates, Remissions, Refunds and Worked Examples
ABSD Singapore 2026: Citizens pay 0%, 20% or 30%, PRs 5%, 30% or 35%, foreigners 60% and entities 65%. Remissions, refund timelines and worked examples.
Reviewed 27 Sep 2026
- Buying a Second Property in Singapore 2026: ABSD, LTV, TDSR and the True Cost
ABSD on a second property is 20% for citizens and 30% for PRs, and a second housing loan is capped at 45% LTV. See the full upfront cost on a S$1.5M condo.
Reviewed 28 Sep 2026
- Decoupling Property in Singapore (2026): ABSD Savings, BSD, SSD and the Rules That Apply
Decoupling property in Singapore 2026: the spouse who sells their share can buy again at 0% ABSD instead of 20%. BSD, SSD and IRAS rules explained.
Reviewed 27 Sep 2026
- Seller's Stamp Duty 2026: 16% to 4% on Homes Bought From 4 Jul 2025
SSD in Singapore 2026: sell a home bought on or after 4 Jul 2025 within 4 years and pay 16%, 12%, 8% or 4% of the higher of price or market value.
Reviewed 26 Oct 2026
Loans, TDSR and CPF
How much you can borrow, how much cash you need, and how CPF can be used.
Affordability calculator →Mortgage calculator →
- TDSR vs MSR Singapore: The 55% and 30% Loan Limits Explained
TDSR vs MSR: TDSR caps all monthly debt at 55% of income; MSR caps HDB and new EC loan instalments at 30%. When each applies, with maximum-loan examples.
Reviewed 27 Sep 2026
- LTV Limits Explained: How Much Can You Really Borrow in 2026?
LTV limits Singapore: banks lend up to 75% on a first housing loan, 45% on a second and 35% on a third, or 55%, 25% and 15% if the loan runs past age 65.
Reviewed 1 Oct 2026
- HDB Loan vs Bank Loan 2026: Rates, LTV, MSR and Eligibility Compared
HDB loan vs bank loan 2026: HDB charges 2.6% while banks quoted fixed rates of about 1.4% to 1.8% in March 2026. Both cap LTV at 75% and MSR at 30%.
Reviewed 27 Sep 2026
- CPF Usage Limit for Property in 2026: How Much CPF Can You Use?
CPF usage limit for property in 2026: the Valuation Limit, the 120% Withdrawal Limit for bank loans, the age-95 lease rule and the S$110,200 BRS explained.
Reviewed 28 Sep 2026
Upgrading from HDB
MOP timing, selling first or buying first, and the cash an upgrade really needs.
- HDB to Condo Upgrade: How Much Cash You Need, With a Worked Example (2026)
HDB upgrader to condo: selling a S$700k flat to buy a S$1.8M condo needs about S$229,600 cash if you sell first. MOP, ABSD, CPF, LTV and TDSR rules checked.
Reviewed 28 Sep 2026
- HDB to Private Property Upgrade Guide Singapore 2026: Rules, Costs and Timeline
HDB to private property upgrade guide 2026: 5-year MOP (10 for Plus/Prime), 20% ABSD refunded if you sell within 6 months, CPF refund, TDSR and timeline.
Reviewed 27 Sep 2026
HDB and BTO
Upcoming BTO exercises, eligibility and the new flat classifications.
HDB grant calculator →How much can I borrow? →
- November 2026 BTO Launch: All 7 Projects, Prices, Waiting Times and How to Apply
November 2026 BTO: 7,964 HDB flats in 7 projects, with 99-year prices from $131,000, waits of 34 to 45 months and subsidy recovery rates. Apply by 11 November.
Reviewed 5 Nov 2026
- Next BTO Launch 2027: What HDB Has Confirmed on Dates, Supply and Ballot Changes
Next BTO launch 2027: February 2027 offers about 4,300 flats in Bishan, Tampines, Tengah and Toa Payoh, with an extra ballot chance per child. What's confirmed.
Reviewed 5 Nov 2026
- CPF Housing Grants 2026: EHG, Resale, Proximity and Step-Up Grants Explained
CPF housing grants 2026: first-timer families can get up to S$230,000 on a resale HDB flat or S$120,000 EHG on a BTO. Resale grant income cap is now S$16,000.
Reviewed 28 Sep 2026
- HDB Loan vs Bank Loan 2026: Rates, LTV, MSR and Eligibility Compared
HDB loan vs bank loan 2026: HDB charges 2.6% while banks quoted fixed rates of about 1.4% to 1.8% in March 2026. Both cap LTV at 75% and MSR at 30%.
Reviewed 27 Sep 2026
- HDB BTO 2026: All Three Launches, Prices, Application Rates and the New Income Ceiling
HDB BTO 2026 guide: about 19,600 flats across the February, June and November exercises, with June prices, application rates and the new $16,000 income ceiling.
Reviewed 5 Nov 2026
- 15-Month Wait-Out Removed: How Private Property Owners Can Buy an HDB Resale Flat (2026)
15-month wait-out removed 28 July 2026: private owners can buy a non-subsidised HDB resale flat with no HDB loan, but must sell their private home in 6 months.
Reviewed 27 Sep 2026
- Pearl's Hill BTO: What We Know About Singapore's First 60-Storey HDB Project
Pearl's Hill BTO: an HDB project over 60 storeys high with about 1,700 2-room Flexi, 3-room and 4-room flats beside Outram Park MRT, announced in March 2026.
Reviewed 27 Sep 2026
Executive condominiums
The 2026 EC rule changes, who can buy, and which launches are coming.
- Executive Condo (EC) Guide 2026: Eligibility, Income Ceiling, MOP and Financing
Executive condo guide 2026: who can buy a new EC, the S$16,000 or S$18,000 income ceiling, 5- or 10-year MOP, up to S$30,000 CPF grant and loan limits.
Reviewed 27 Sep 2026
- New EC Rules 2026: 10-Year MOP, No Deferred Payment Scheme and a 90% First-Timer Quota
New EC rules 2026: a 10-year MOP, no Deferred Payment Scheme and a 90% first-timer quota for EC sites tendered from 8 May 2026. What changed and who is exempt.
Reviewed 1 Oct 2026
- EC Launches 2026–2027: Upcoming Executive Condos and the Last ECs With DPS
Upcoming EC launches 2026–2027: CDL's Solano Grand and Wynwood Grand target 1Q2027. Land prices, timing and which ECs keep the 5-year MOP and DPS.
Reviewed 27 Sep 2026
- Can Foreigners Buy an Executive Condo in Singapore? EC Eligibility for Citizens, PRs and Foreigners
Can foreigners buy an executive condo? Not from the developer. Foreigners can buy only after privatisation (10 or 15 years after TOP) and pay 60% ABSD.
Reviewed 27 Sep 2026
Market data and outlook
Official price indices, HDB resale trends and what they mean for the year ahead.
- URA Q3 2026 Final Figures: Private Home Prices Up 1.4%, Confirming the Flash Estimate
URA Q3 2026 final: private home prices rose 1.4% (index 222.5), confirming the flash estimate. OCR condos +2.3%, landed +2.9%, CCR +0.3%, RCR flat.
Reviewed 23 Oct 2026
- HDB Resale Price Trend 2026: Three Quarters of Decline, Volumes and Million-Dollar Flats
HDB resale price trend 2026: HDB's index fell 0.1% to 202.5 in Q3 (final), its third straight quarterly decline, as million-dollar resale flats hit new highs.
Reviewed 23 Oct 2026
- Singapore New Launch Break-Even Prices 2026: Land Cost vs Launch Price
Singapore new launch break-even prices 2026: eight GLS launches priced 6% to 34% above our land-cost break-even estimates. Full table, method and sources.
Reviewed 16 Oct 2026
- Singapore Property Market Outlook 2027: Prices, Supply and What Analysts Forecast
Singapore property market outlook 2027: URA prices up 2.8% in 9M2026, 10,132 homes due to complete in 2027, plus dated CBRE, Knight Frank and PropNex forecasts.
Reviewed 23 Oct 2026
Where to buy
Districts, budgets and the launches worth a look.
- Singapore Property Districts D01 to D28: Full List, CCR vs RCR vs OCR, and 2026 Price Trends
Singapore property districts D01 to D28: URA's full area list, CCR/RCR/OCR definitions and Q2 2026 data. CCR non-landed prices rose 1.8%; RCR fell 1.2%.
Reviewed 28 Sep 2026
- New Launch Condo Under 1.5 Million: 2026 Prices, 7 Projects
New launch condo under 1.5 million: 7 projects selling in 2026 had entry prices at or under S$1.5M; by 28 Aug only 3 still listed units below it.
Reviewed 16 Oct 2026
- District 20 Property Guide: Ang Mo Kio, Bishan & Thomson
District 20 guide: Ang Mo Kio, Bishan and Thomson. 4-room HDB median S$788,000 in Bishan vs S$638,000 in Ang Mo Kio (Q2 2026), plus MRT, condos, schools.
Reviewed 27 Sep 2026