Financing ·
Decoupling Property to Manage ABSD: Costs and Limits
Decoupling transfers one owner's share so the other can buy as a first property. The duty, the CPF refund and where IRAS draws the line.
Property financing in Singapore
Understand mortgages, CPF, ABSD, TDSR and the cash flow behind a sustainable property decision.
17 articles
Financing ·
Property Tax in Singapore: Annual Value and Rates
Singapore property tax is charged on Annual Value, not price. Owner-occupier rates, the rented-out rates and the 2026 rebate explained.
Financing ·
How to Refinance a Home Loan in Singapore
TDSR does not apply when you refinance an owner-occupied home loan. Compare repricing and refinancing, lock-in costs and the break-even.
Financing ·
CPF Accrued Interest When You Buy and Sell Property
CPF accrued interest builds at the OA rate and returns to your CPF on sale. How it compounds, the housing limits, and what you refund.
Financing ·
HDB Housing Grants: EHG, CPF Housing Grant and PHG
Eligible first-timer families can stack up to $230,000 in HDB housing grants. Amounts, income ceilings and conditions for each grant.
Financing ·
Seller’s Stamp Duty in Singapore: Rates and the Four-Year Rule
SSD runs 16% to 4% over four years, but only for property bought from 4 July 2025. Which schedule applies depends on when you bought, not when you sell.
Financing ·
Bank Loan for an HDB Resale Flat: Limits, Cash and Timeline
What a bank loan for an HDB resale flat requires: the 75% and 55% LTV split at 25 years, MSR and TDSR tested at 4%, minimum cash and the option deadlines.
Financing ·
Condo Loan in Singapore: LTV Limits, Tenure and Monthly Cost
How a condo home loan works in Singapore: the 75% and 55% LTV limits, the 35-year tenure cap, TDSR tested at 4% and what the monthly payment costs.
Financing ·
Condo Downpayment in Singapore: Cash and CPF Needed
Calculate the cash and CPF needed for a condo downpayment in Singapore, with separate timelines for new launch and resale purchases.
Financing ·
ABSD Remission in Singapore: Who Qualifies and How to Claim
Check ABSD remission eligibility, the six-month sale deadline and refund process for married couples and single Singaporean seniors.
Financing ·
Buyer’s Stamp Duty Singapore: Rates and Examples
Calculate Buyer’s Stamp Duty in Singapore using current residential rates, worked examples and the rules for valuation, payment and CPF.
Financing ·
New Launch Condo Payment Schedule: A Worked $1.8m Calculation
Calculate the downpayment, stamp duty, progressive loan and monthly mortgage for a new launch condo in Singapore.
Financing ·
HDB Loan vs Bank Loan for a Resale Flat
Compare an HDB loan and bank loan for a resale flat by interest rate, cash downpayment, CPF use, flexibility and refinancing.
Financing ·
ABSD in Singapore: Rates, Refunds and How Buyers Plan Around It
ABSD rates for citizens, PRs and foreigners, the spousal refund rules, and the legal ways buyers structure around Singapore's biggest property tax.
Financing ·
Using CPF for Property: What Every Buyer Should Understand
What CPF OA can and cannot pay for, how accrued interest compounds against your sale proceeds, and the limits that stop withdrawals mid-mortgage.
Financing ·
How Much Condo Can I Afford in Singapore? A Worked Budget
Calculate condo affordability in Singapore from your loan, downpayment, BSD, ABSD, CPF limits and a monthly payment you can sustain.
Financing ·
TDSR and MSR in Singapore: How They Limit Your Property Loan
Understand Singapore's 55% TDSR and 30% MSR, the interest-rate stress test and how existing debts reduce your property loan.
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