Singapore Residential Property Guide

Buying & Selling,
Question by Question

Your quick-reference Q&A covering HDB resale, private condo resale, and new launch developments — clear answers on rules, stamp duty, grants, loans, and timelines for both buyers and sellers in Singapore.

🏢 Executive Condominium List

Everything you need to know about ECs — current & upcoming launches, eligibility, grants, and the new May 2026 cooling measures (10-year MOP, 90% first-timer quota, no DPS).

Resale EC List
ABSD
Additional Buyer's Stamp Duty 0–30% SC · 5–35% PR · 60% Foreigner
SSD
Seller's Stamp Duty 16%/12%/8%/4% — 4yr window
LTV
Loan-to-Value Limit 75% · 45% · 35% by loan count
MOP
HDB Minimum Occupation 5yr Standard · 10yr Plus · 20yr Fresh Start

Last updated: August 2026. ABSD rates unchanged since 27 Apr 2023. SSD schedule (16%/12%/8%/4% over 4 years) applies to properties purchased on or after 4 Jul 2025; earlier purchases follow the 3-year schedule. The 30-month wait-out period for private property owners buying HDB resale flats was lifted for cash/bank-loan non-subsidised purchases from 28 Jul 2026. Figures are general guidance — always confirm current rates and eligibility with HDB, IRAS, CPF Board, or a licensed property professional before making any decisions.

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