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What happens when a 99 year lease runs out?

By Winfred Quek · CEA R073319H · Published 5 Aug 2026 · Last reviewed 13 October 2026

Quick answer: When a 99 year lease ends, the property reverts to the state and there is no automatic renewal. Before then, MAS loan tenure and loan to value rules apply to housing loans, so the remaining lease can affect financing.

Reviewed 13 October 2026 ยท Sources linked below

Key Takeaways

  • A 99 year lease has no automatic renewal at expiry.
  • MAS sets the loan tenure and loan to value limits for housing loans.

At expiry

At the end of a 99 year lease, the property reverts to the state, and the lease is not renewed automatically.

Financing

MAS sets loan tenure and loan to value limits for housing loans, and these limits can depend on the remaining lease. Check the current rules with your bank.

Sources & References

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Winfred Quek is an Associate Marketing Consultant at Crestbrick Pte Ltd (CEA Licence No. L3010886H). CEA R073319H. This page is for general information only and does not constitute financial, investment, or legal advice. Rates and rules reflect the position as at 5 Aug 2026; verify current figures with IRAS, HDB, or MAS before making any decision.