Singapore condo guides

Clear answers on taxes, loans and the buying process. Every rate is checked against IRAS, MAS or URA, and every guide shows the date it was last updated.

Buying

Table showing which Singapore property types foreigners can buy: condos and apartments without approval, landed homes only with approval, HDB flats not allowed

Can foreigners buy property in Singapore?

What foreigners can buy, the 60% ABSD, who is exempt under free trade agreements, and how loans work.

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Infographic timeline of buying a resale condo in Singapore: option fee, exercising the option, stamp duty and completion in about 12 to 14 weeks

How to buy a condo in Singapore: step by step

From loan approval to collecting keys: the timeline, the paperwork and all the costs.

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Infographic of the progressive payment schedule for a new launch condo in Singapore, from the 5% booking fee to the final 15% on completion

New launch vs resale condo: which should you buy?

Payment schedules, price per square foot, space and risk compared side by side.

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Comparison table of freehold and 99-year leasehold condos in Singapore covering ownership, price, loans and CPF use, and where each is found

Freehold vs 99-year leasehold condos in Singapore

What tenure really changes: price, loans, CPF limits and what happens as a lease runs down.

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Taxes

Table of Singapore ABSD rates: citizens 0%, 20%, 30%; permanent residents 5%, 30%, 35%; foreigners 60%; entities 65%

ABSD in Singapore: rates, remissions and worked examples

Current ABSD rates for every buyer profile, how joint purchases are taxed, and the refund rules for married couples.

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Chart of Singapore Buyer’s Stamp Duty rates for residential property: 1% on the first $180,000 rising to 6% above $3 million

Buyer’s Stamp Duty (BSD) in Singapore: rates and how to calculate it

The six BSD bands, a shortcut formula, and exactly how much duty applies from $1 million to $5 million.

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Chart of Singapore Seller’s Stamp Duty rates for homes bought from 4 July 2025: 16% in year one, 12% in year two, 8% in year three, 4% in year four and none after

Seller’s Stamp Duty (SSD) in Singapore: rates and holding periods

The four-year SSD schedule, the older three-year schedule, and how to count your holding period.

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Table of Singapore residential property tax rates by annual value for owner-occupied and non-owner-occupied homes

Property tax in Singapore for condo owners

Annual value explained, both rate tables, and what a typical condo owner or landlord pays each year.

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Financing

Table of Singapore bank home loan limits: 75% loan-to-value for a first housing loan, 45% for a second and 35% for a third, with minimum cash of 5% or 25%

How much condo can I afford in Singapore?

How banks work out your maximum loan, and how much cash and CPF you need at each price.

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Market

Line chart comparing condo price indices for the Core Central Region, Rest of Central Region and Outside Central Region from 2009 to Q1 2026

CCR, RCR and OCR explained: Singapore’s three property regions

Which districts are prime, city fringe or suburban, and how prices in each have moved since 2009.

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Renting

Bar chart ranking Singapore postal districts by median condo rent per square foot per month, Q3 2026

Renting a condo in Singapore: prices, rules and process

Median rents by district from URA data, and how the leasing process works from letter of intent to handover.

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