38 atomic facts on Singapore property policy and market data — checked against IRAS, MAS, HDB, the CPF Board and data.gov.sg, and sourced back to the winfredquek.com page where each figure is used. Built for quoting, checking, or citing.
20%
ABSD rate for a Singapore Citizen buying a second residential property
30%
ABSD rate for a Singapore Citizen buying a third or subsequent residential property
5%
ABSD rate for a Permanent Resident buying a first residential property
30%
ABSD rate for a Permanent Resident buying a second or subsequent residential property
60%
ABSD rate for a foreigner buying any residential property (non-FTA nationality)
65%
ABSD rate for an entity or living trust acquiring residential property
5
Number of nationalities granted Singapore-Citizen-equivalent ABSD treatment under Free Trade Agreements (US, Switzerland, Liechtenstein, Norway, Iceland)
6%
Buyer's Stamp Duty top marginal rate, applied to the portion of price above S$3,000,000
1%
Buyer's Stamp Duty rate on the first S$180,000 of any property purchase
12%
Seller's Stamp Duty rate for a residential property sold within year 1 of purchase
8%
Seller's Stamp Duty rate for a residential property sold within year 2 of purchase
4%
Seller's Stamp Duty rate for a residential property sold within year 3 of purchase
55%
Total Debt Servicing Ratio cap on all monthly debt repayments as a share of gross monthly income
30%
Mortgage Servicing Ratio cap on the housing instalment for HDB flats and Executive Condominiums
75%
Loan-to-Value limit for a first housing loan with no other outstanding mortgage
45%
Loan-to-Value limit for a second housing loan while a first housing loan is still outstanding
5 years
Minimum Occupation Period for HDB flats and Executive Condominiums before open-market sale or subletting the whole unit
2.5% p.a.
CPF Ordinary Account interest rate, and the accrued-interest rate charged back when OA funds used for property are refunded on sale
4% p.a.
CPF Special Account / Retirement Account interest rate
S$110,200
CPF Basic Retirement Sum (BRS) for members turning 55
S$220,400
CPF Full Retirement Sum (FRS) for members turning 55
S$440,800
CPF Enhanced Retirement Sum (ERS) for members turning 55
1.5% p.a.
Typical Singapore bank home loan interest rate, fixed and floating packages
2.6% p.a.
HDB concessionary loan interest rate
S$14,000/month
HDB monthly household income ceiling for 4-room and 5-room BTO flats
S$7,000/month
HDB monthly household income ceiling for 2-room and 3-room BTO flats
S$16,000/month
Household income ceiling for Executive Condominium (EC) purchase
S$120,000
Maximum Enhanced Housing Grant (EHG) for eligible first-timer households at or below S$9,000 monthly income
4-5 years
Typical wait from BTO application to key collection for a standard (non shorter-wait) launch
2026-07-28
Date the HDB 15-month wait-out period for former private property owners buying HDB resale flats was removed
7.38%
Highest gross HDB rental yield among Singapore towns, Jurong East
4.24%
Lowest gross HDB rental yield among Singapore towns, Bukit Timah
20-30%
Typical discount at which an Executive Condominium (EC) transacts versus a comparable private condo at launch
80%
Owner consent threshold required for an en-bloc (collective) sale
90%
Owner consent threshold for an en-bloc sale of a development under 10 years old
S$12,000 AV
Portion of a property's Annual Value taxed at 0% for owner-occupied residential property tax
1.5% of loan
Typical early-redemption penalty during a Singapore mortgage lock-in period
3.5-5% p.a.
Typical Singapore bridging loan interest rate for a 6-12 month tenure
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These facts are drawn from Winfred's own published pages, which cite IRAS, MAS, HDB, the CPF Board, and data.gov.sg. Rates, grants, and thresholds are revised periodically by the relevant authority — always confirm the current figure with the primary source before relying on it for a transaction. This page is for informational purposes only and does not constitute financial, investment, tax, or legal advice.