Mortgage, stamp duty, yield — know exactly where you stand before you step forward.
Based on a standard amortising loan. Actual rates vary by bank and borrower profile. Does not include fees or insurance. TDSR and MSR limits may apply.
BSD rates effective from 15 Feb 2023. First S$180,000 at 1%, next S$180,000 at 2%, next S$640,000 at 3%, next S$500,000 at 4%, next S$1,500,000 at 5%, remainder at 6%.
ABSD rates effective from 16 Dec 2021. Singapore citizens pay 0% on first property, 20% on second, 30% on third and beyond. PRs pay 5% on first, 30% on second+. Foreigners pay 60%. Entities pay 65%.
SSD applies to residential properties purchased on or after 11 Mar 2017 and sold within 3 years. Rate is 12% (up to 1 year), 8% (1–2 years), 4% (2–3 years). No SSD after 3 years.
Gross yield = annual rent / property price. Net yield = (annual rent minus costs) / property price. Does not include vacancy periods, agent commissions, or renovation costs.
Estimates are indicative based on typical Singapore renovation costs per sqft. Actual costs vary by contractor, material selection, and site conditions. Always get multiple quotes.
Progressive payment schedule for new launch properties under construction in Singapore. Based on standard HDB/URA disbursement stages. Interest is charged on amounts drawn down. Actual disbursement dates and percentages may vary by developer.
On 29 Sep 2022, MAS raised the medium-term interest rate floor used to compute TDSR and MSR to 4%. Applicable to loans for properties where the OTP is granted on or after 30 Sep 2022.
TDSR limit is 55% for private properties and 30% MSR for HDB / EC. Variable income is typically haircut at 30% (only 70% counted). Pledge amount = monthly shortfall × 12 / pledge rate. Figures are indicative — actual bank policies may vary.
Talk to an agent who can turn these figures into a plan — whether you're buying, selling, or holding.
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