🕷️ Crawler Inspector

URL Lookup

Direct Parameter Lookup

Raw Queries and Responses

1. Shard Calculation

Query:

Response:

Calculated Shard: 173 (from laksa037)

2. Crawled Status Check

Query:

curl -X POST \
  'http://laksa173.int.ahrefs:8124/' \
  -H 'Content-Type: text/plain' \
  -H 'X-ClickHouse-Database: crawler3' \
  -H 'Authorization: Basic YXBpOg==' \
  -d 'SELECT getAhrefsURLFromUnparsed(src_unparsed) AS found_url, ifNull(toUnixTimestamp(download_stamp), 0) AS crawl_time, ifNull(toUnixTimestamp(props_url_first_seen), 0) AS first_indexed_time, download_http_code AS http_code, src_unparsed AS src_unparsed, src_root_hash AS src_root_hash, history_drop_reason AS history_drop_reason, meta_title AS meta_title, meta_descriptions AS meta_descriptions, attrs_boilerpipe_text AS attrs_boilerpipe_text, attrs_markdown AS attrs_markdown, attrs_readable_markdown AS attrs_readable_markdown, meta_canonical AS meta_canonical FROM crawler3.page_info_local FINAL PREWHERE (src_root_hash, src_unparsed) IN ((getAhrefsRootHashFromUnparsed(getAhrefsUnparsedNoserviceFromURL(\'https://financeguru.sg/property-stamp-duty-singapore-explained-absd-bsd-ssd/\')), getAhrefsUnparsedNoserviceFromURL(\'https://financeguru.sg/property-stamp-duty-singapore-explained-absd-bsd-ssd/\'))) FORMAT JSONEachRow'

Response:

{"found_url":"https:\/\/financeguru.sg\/property-stamp-duty-singapore-explained-absd-bsd-ssd\/","crawl_time":1775690379,"first_indexed_time":1643279075,"http_code":200,"src_unparsed":"sg,financeguru!\/property-stamp-duty-singapore-explained-absd-bsd-ssd\/ s443","src_root_hash":"16208805942490666173","history_drop_reason":null,"meta_title":"Ultimate explainer guide to property stamp duty in Singapore: BSD, ABSD, SSD - FinanceGuru","meta_descriptions":["ABSD, BSD, SSD - in this article, we explain what property stamp duty is in Singapore, how each of them works, and how to calculate them."],"attrs_boilerpipe_text":"A property stamp duty is kind of like COE. Just like how COE drives up the cost of owning a car, the stamp duty is one of those fees that makes buying a property so expensive in Singapore. \nBut unlike vehicles, there’s also a stamp duty for selling a property in Singapore. In this article, we dive deep into the 3 main types of property stamp duty in Singapore: BSD, ABSD, and SSD. \nWhat is the Buyer’s Stamp Duty (BSD)? \nThe\nBuyer’s Stamp Duty, or BSD\n, is a form of stamp duty that you need to pay as long as you buy or acquire a property in Singapore. \nRegardless of your residency status or the number of properties you own, you’ll have to pay for it. \nHow to calculate the BSD? \nHow much you’ll need to pay for the BSD depends on 2 things: \nPurchase price or market value of the property, whichever is higher\nPrevailing BSD rate\nAs of 20 February 2018, the current rates are as follows: \nPurchase price\nor market value of the\nproperty\nBSD rates\nfor residential property\nFirst $180,000\n1%\nNext $180,000\n2%\nNext $640,000\n3%\nRemaining amount\n4%\nLet’s say you’re buying an HDB resale flat for $725,000. The calculation for the BSD will be: \n(1% × $180,000) + (2% × $180,000) + (3% × $365,000) = $16,350 \nBut if you’re a PR, foreigner buying your first property, or Singaporean buying your second property, you’ll also need to pay another type of stamp duty: ABSD. \nWhat is the Additional Buyer’s Stamp Duty (ABSD)? \nThe\nAdditional Buyer’s Stamp Duty (ABSD\n) is a stamp duty that you may have to pay on top of BSD when you buy a residential property in Singapore.\nWhether you need to pay for the ABSD depends on 2 things: \nYour residency status\nNumber of residential properties you own\nAlt-text: A phone calculator on top of a notebook and laptop. The calculation of your ABSD is dependent on your residency status and the number of properties you own. \nHow to calculate the ABSD?\nJust like the BSD, the ABSD is calculated as a percentage of the property’s purchase price or market value, whichever is higher. \nHowever, the rate you’ll need to pay depends on your residency status and the number of residential properties you own. If you’re a PR or foreigner, you’ll have ABSD exposure. \nSince its introduction in 2011, the ABSD rates have changed over the years. Depending on the property market condition, the government can revise the ABSD rates again. \nHere are the current rates, as of 6 July 2018: \nBuyer profile\nABSD rates from 6 July 2018 onwards\nFirst residential property\nSecond residential property\nThird and subsequent property\nSingapore citizens \n–\n12%\n15%\nSingapore PR \n5%\n15%\n15%\nForeigners \n20%\n20%\n20%\nEntities \n25% (plus an additional 5% for housing developers) \n25% (plus an additional 5% for housing developers) \n25% (plus an additional 5% for housing developers) \nWhat if you’re buying with someone who doesn’t have the same residency status as you? \nHere’s where it can get a little tricky. The short answer is that the higher ABSD rate will be applicable. \nLet’s say you’re a Singaporean and currently own 1 property. Your spouse is a PR and also presently owns 1 property. Both of you are planning to buy another condo at $1,200,000 together, without selling current properties. \nIn this case, the ABSD rate will be based on your spouse’s profile, which will be 15%. This translates to: (15% × $1,200,000) = $180,000 \nHow to avoid the ABSD? \nThere are a few ways in which you can go about\nwithout paying for the ABSD.\n1. When you’re selling your current property before buying a second property\nIf the buyer for your current property has exercised the Option to Purchase (OTP) before you exercise the OTP for your purchase, there is no ABSD exposure.\n2. When you and your spouse are selling your first property after buying a second property\nTechnically, both of you will still have to pay for the ABSD first, but you can get a remission for it when you sell your first property within 6 months from the exercising date of your purchase.\n For the uncompleted property, you have 6 months to sell after obtaining TOP\/CSC for the new property. \nAfterwards, you’ll need to apply for the remission within 6 months after its sale, provided the ownership status remains. \n3. When you’re downgrading to an HDB resale flat \nYou won’t be subjected to ABSD if you’re downgrading from private property to an HDB resale flat. This is because you need to sell off your private property within 6 months after buying the resale flat. \nOn the other hand, while selling off your property can help you save on ABSD, you may have to pay for another type of stamp duty in Singapore: SSD. \nWhat is the Seller’s Stamp Duty (SSD)? \nUnlike the BSD and ABSD, the\nSeller’s Stamp Duty (SSD)\nis a stamp duty on the sale or acquisition of residential properties in Singapore. \nSpecifically, you’ll need to pay the SSD if you sell off your residential property within 3 years after its purchase. SSD is also only applicable for properties bought from 20 February 2010 onwards. \nThis means that the SSD won’t be applicable when you sell your HDB flat after the 5-year\nMinimum Occupation Period (MOP).\n \nHow to calculate the SSD? \nHow much you’ll have to pay for the SSD depends on 4 things: \nType of the property to be sold\nDate of the property purchase or acquisition\nDate of the property sale\nProperty price or market value, whichever is higher\nJust like the ABSD, the SSD rates have been revised over the years. \nThe current SSD rates are as follows: \npurchase\nHolding period\nSSD rate \nFrom 11 March 2017 onwards\nUp to 1 year\n12% \nMore than 1 year and up to 2 years\n8% \nMore than 2 years and up to 3 years\n4% \nMore than 3 years\nNo SSD to be paid\nLet’s say you bought a condo for $1,300,000 on 1 July 2020 and decide to sell it 10 months later, on 1 May 2021, for $2,000,000. \nSince it’ll be less than 1 year since you’ve bought it, the SSD you’ll need to pay will be 12% of the selling price, which is $240,000. \nOn the other hand, if you decide to wait longer and sell it on 1 May 2022, which will be 1 year 10 months after the purchase, the SSD to be paid will be 8% of the selling price. This equals $160,000. \nYou may also use IRAS’ stamp duty calculator to calculate the BSD, ABSD, and SSD to be paid.\n \nWhen do you not need to pay the SSD? \nSimilar to the ABSD, there are certain scenarios in which you’ll be exempted from the SSD. \n1. Bankruptcy\nIf you’re declared bankrupt and ordered to dispose of your property to pay off your debt, you won’t need to pay the SSD. \n2. Inheritance\nThis only applies when you inherit an HDB flat. If you own an HDB flat and inherit another one, you’ll need to sell off one of them. This is because you can only own one HDB flat at any one time. \nSimilarly, if you own a non-HDB flat and inherit an HDB flat, you’ll need to dispose of the latter. \nIn both cases, you won’t have to pay the SSD. \n3. Marriage\nLet’s say you own an HDB flat and marry someone who has an HDB flat under his or her name. \nBoth of you will need to live under one HDB flat and dispose of the other flat, without having to pay for the SSD. \nPaying property stamp duty in Singapore\nAs you can see, whether it’s BSD, ABSD, or SSD, the amount to be paid for stamp duty in Singapore is substantial. \nBefore jumping into buying a property, be sure to take into account any conditions and exemptions. While the BSD is unavoidable, you may not have to pay the ABSD if you meet certain criteria. \nLikewise, it’s better to hold off selling your property for a few years to reduce or even avoid paying the SSD. Doing all these can help you save money and get you closer to your financial goals. \nStill unsure of your stamp duties and mortgage requirements?\nConsider engaging a mortgage broker to help you through the process.\nAt FinanceGuru, we seek to help homeowners find the best home loan and help them achieve their financial goals. Learn more about how you can optimise your home loan and uncover potential ways to save you money and time.\nGet a non-obligatory assessment and loan product recommendations today. ","attrs_markdown":"[Skip to the content](https:\/\/financeguru.sg\/property-stamp-duty-singapore-explained-absd-bsd-ssd\/#site-content)\n\n[![](https:\/\/financeguru.sg\/wp-content\/uploads\/2020\/08\/cropped-new-FG-logo.png)](https:\/\/financeguru.sg\/)\n\n- [Home](https:\/\/financeguru.sg\/)\n- [Services](https:\/\/financeguru.sg\/property-stamp-duty-singapore-explained-absd-bsd-ssd\/)\n  - [Home Loans](https:\/\/financeguru.sg\/home-loans\/)\n- [Blog](https:\/\/financeguru.sg\/blog\/)\n- [Contact](https:\/\/financeguru.sg\/contact\/)\n\nMenu\n\n- [Home](https:\/\/financeguru.sg\/)\n- [Services](https:\/\/financeguru.sg\/property-stamp-duty-singapore-explained-absd-bsd-ssd\/)\n  - [Home Loans](https:\/\/financeguru.sg\/home-loans\/)\n- [Blog](https:\/\/financeguru.sg\/blog\/)\n- [Contact](https:\/\/financeguru.sg\/contact\/)\n\n- [Home](https:\/\/financeguru.sg\/)\n- [Services](https:\/\/financeguru.sg\/property-stamp-duty-singapore-explained-absd-bsd-ssd\/)\n  - [Home Loans](https:\/\/financeguru.sg\/home-loans\/)\n- [Blog](https:\/\/financeguru.sg\/blog\/)\n- [Contact](https:\/\/financeguru.sg\/contact\/)\n\nMenu\n\n- [Home](https:\/\/financeguru.sg\/)\n- [Services](https:\/\/financeguru.sg\/property-stamp-duty-singapore-explained-absd-bsd-ssd\/)\n  - [Home Loans](https:\/\/financeguru.sg\/home-loans\/)\n- [Blog](https:\/\/financeguru.sg\/blog\/)\n- [Contact](https:\/\/financeguru.sg\/contact\/)\n\n[![](https:\/\/financeguru.sg\/wp-content\/uploads\/2020\/08\/cropped-new-FG-logo.png)](https:\/\/financeguru.sg\/)\n\n- [Home Loans](https:\/\/financeguru.sg\/category\/home-loans\/)\n## Ultimate explainer guide to property stamp duty in Singapore: BSD, ABSD, SSD\n![A new HDB BTO flat in Singapore that’s subjected to property stamp duty like BSD](https:\/\/financeguru.sg\/wp-content\/uploads\/2021\/03\/explainer-guide-stamp-duty-singapore-hdb-bto-apartment-1024x664.jpg)\n\n- [Posted On March 12, 2021](https:\/\/financeguru.sg\/2021\/03\/12\/)\n\n[Facebook]()     [Twitter]()     [Instagram]()\n\n- [Home Loans](https:\/\/financeguru.sg\/category\/home-loans\/)\n## Ultimate explainer guide to property stamp duty in Singapore: BSD, ABSD, SSD\n\n![A new HDB BTO flat in Singapore that’s subjected to property stamp duty like BSD](https:\/\/financeguru.sg\/wp-content\/uploads\/2021\/03\/explainer-guide-stamp-duty-singapore-hdb-bto-apartment-1024x664.jpg)\n\n- [Posted On March 12, 2021](https:\/\/financeguru.sg\/2021\/03\/12\/)\n\nA property stamp duty is kind of like COE. Just like how COE drives up the cost of owning a car, the stamp duty is one of those fees that makes buying a property so expensive in Singapore.\n\nBut unlike vehicles, there’s also a stamp duty for selling a property in Singapore. In this article, we dive deep into the 3 main types of property stamp duty in Singapore: BSD, ABSD, and SSD.\n\n## What is the Buyer’s Stamp Duty (BSD)?\nThe [Buyer’s Stamp Duty, or BSD](https:\/\/www.iras.gov.sg\/irashome\/Other-Taxes\/Stamp-Duty-for-Property\/Working-out-your-Stamp-Duty\/Buying-or-Acquiring-Property\/What-is-the-Duty-that-I-Need-to-Pay-as-a-Buyer-or-Transferee-of-Residential-Property\/Buyer-s-Stamp-Duty--BSD-\/), is a form of stamp duty that you need to pay as long as you buy or acquire a property in Singapore.\n\nRegardless of your residency status or the number of properties you own, you’ll have to pay for it.\n\n### How to calculate the BSD?\nHow much you’ll need to pay for the BSD depends on 2 things:\n\n- Purchase price or market value of the property, whichever is higher\n- Prevailing BSD rate\n\nAs of 20 February 2018, the current rates are as follows:\n\n| **Purchase price**  **or market value of the**  **property** | **BSD rates**  **for residential property** |\n|---|---|\n| First \\$180,000 | 1% |\n| Next \\$180,000 | 2% |\n| Next \\$640,000 | 3% |\n| Remaining amount | 4% |\n\nLet’s say you’re buying an HDB resale flat for \\$725,000. The calculation for the BSD will be:\n\n(1% × \\$180,000) + (2% × \\$180,000) + (3% × \\$365,000) = \\$16,350\n\nBut if you’re a PR, foreigner buying your first property, or Singaporean buying your second property, you’ll also need to pay another type of stamp duty: ABSD.\n\n## What is the Additional Buyer’s Stamp Duty (ABSD)?\nThe [Additional Buyer’s Stamp Duty (ABSD](https:\/\/www.iras.gov.sg\/irashome\/Other-Taxes\/Stamp-Duty-for-Property\/Working-out-your-Stamp-Duty\/Buying-or-Acquiring-Property\/What-is-the-Duty-that-I-Need-to-Pay-as-a-Buyer-or-Transferee-of-Residential-Property\/Additional-Buyer-s-Stamp-Duty--ABSD-\/)) is a stamp duty that you may have to pay on top of BSD when you buy a residential property in Singapore.\n\nWhether you need to pay for the ABSD depends on 2 things:\n\n- Your residency status\n- Number of residential properties you own\n\n![A phone calculator on top of a notebook and laptop. The calculation of your ABSD is dependent on your residency status and the number of properties you own](https:\/\/www.financeguru.sg\/wp-content\/uploads\/2021\/03\/explainer-guide-stamp-duty-singapore-calculate-1024x684.jpg)\n\nAlt-text: A phone calculator on top of a notebook and laptop. The calculation of your ABSD is dependent on your residency status and the number of properties you own.\n\n### How to calculate the ABSD?\nJust like the BSD, the ABSD is calculated as a percentage of the property’s purchase price or market value, whichever is higher.\n\nHowever, the rate you’ll need to pay depends on your residency status and the number of residential properties you own. If you’re a PR or foreigner, you’ll have ABSD exposure.\n\nSince its introduction in 2011, the ABSD rates have changed over the years. Depending on the property market condition, the government can revise the ABSD rates again.\n\nHere are the current rates, as of 6 July 2018:\n\n| **Buyer profile** | **ABSD rates from 6 July 2018 onwards** |   |   |\n|---|---|---|---|\n|   | First residential property | Second residential property | Third and subsequent property |\n| **Singapore citizens** | – | 12% | 15% |\n| **Singapore PR** | 5% | 15% | 15% |\n| **Foreigners** | 20% | 20% | 20% |\n| **Entities** | 25% (plus an additional 5% for housing developers) | 25% (plus an additional 5% for housing developers) | 25% (plus an additional 5% for housing developers) |\n### What if you’re buying with someone who doesn’t have the same residency status as you?\nHere’s where it can get a little tricky. The short answer is that the higher ABSD rate will be applicable.\n\nLet’s say you’re a Singaporean and currently own 1 property. Your spouse is a PR and also presently owns 1 property. Both of you are planning to buy another condo at \\$1,200,000 together, without selling current properties.\n\nIn this case, the ABSD rate will be based on your spouse’s profile, which will be 15%. This translates to: (15% × \\$1,200,000) = \\$180,000\n\n### How to avoid the ABSD?\nThere are a few ways in which you can go about [without paying for the ABSD.](https:\/\/www.financeguru.sg\/how-to-own-a-second-property-without-paying-absd\/)\n\n#### 1\\. When you’re selling your current property before buying a second property\nIf the buyer for your current property has exercised the Option to Purchase (OTP) before you exercise the OTP for your purchase, there is no ABSD exposure.\n\n#### 2\\. When you and your spouse are selling your first property after buying a second property\nTechnically, both of you will still have to pay for the ABSD first, but you can get a remission for it when you sell your first property within 6 months from the exercising date of your purchase.\n\nFor the uncompleted property, you have 6 months to sell after obtaining TOP\/CSC for the new property.\n\nAfterwards, you’ll need to apply for the remission within 6 months after its sale, provided the ownership status remains.\n\n#### 3\\. When you’re downgrading to an HDB resale flat\nYou won’t be subjected to ABSD if you’re downgrading from private property to an HDB resale flat. This is because you need to sell off your private property within 6 months after buying the resale flat.\n\nOn the other hand, while selling off your property can help you save on ABSD, you may have to pay for another type of stamp duty in Singapore: SSD.\n\n## What is the Seller’s Stamp Duty (SSD)?\nUnlike the BSD and ABSD, the [Seller’s Stamp Duty (SSD)](https:\/\/www.iras.gov.sg\/irashome\/Other-Taxes\/Stamp-Duty-for-Property\/Working-out-your-Stamp-Duty\/Selling-or-Disposing-Property\/Seller-s-Stamp-Duty--SSD--for-Residential-Property\/) is a stamp duty on the sale or acquisition of residential properties in Singapore.\n\nSpecifically, you’ll need to pay the SSD if you sell off your residential property within 3 years after its purchase. SSD is also only applicable for properties bought from 20 February 2010 onwards.\n\nThis means that the SSD won’t be applicable when you sell your HDB flat after the 5-year [Minimum Occupation Period (MOP).](https:\/\/www.hdb.gov.sg\/cs\/infoweb\/residential\/selling-a-flat\/eligibility#:~:text=HDB%20Resale%20Portal.-,Minimum%20Occupation%20Period,it%20on%20the%20open%20market.&text=The%20MOP%20is%20calculated%20from,the%20keys%20to%20your%20flat.)\n\n### How to calculate the SSD?\nHow much you’ll have to pay for the SSD depends on 4 things:\n\n- Type of the property to be sold\n- Date of the property purchase or acquisition\n- Date of the property sale\n- Property price or market value, whichever is higher\n\nJust like the ABSD, the SSD rates have been revised over the years.\n\nThe current SSD rates are as follows:\n\n| **purchase** | **Holding period** | **SSD rate** |\n|---|---|---|\n| From 11 March 2017 onwards | Up to 1 year | 12% |\n|   | More than 1 year and up to 2 years | 8% |\n|   | More than 2 years and up to 3 years | 4% |\n|   | More than 3 years | No SSD to be paid |\n\nLet’s say you bought a condo for \\$1,300,000 on 1 July 2020 and decide to sell it 10 months later, on 1 May 2021, for \\$2,000,000.\n\nSince it’ll be less than 1 year since you’ve bought it, the SSD you’ll need to pay will be 12% of the selling price, which is \\$240,000.\n\nOn the other hand, if you decide to wait longer and sell it on 1 May 2022, which will be 1 year 10 months after the purchase, the SSD to be paid will be 8% of the selling price. This equals \\$160,000.\n\n[You may also use IRAS’ stamp duty calculator to calculate the BSD, ABSD, and SSD to be paid.](https:\/\/mytax.iras.gov.sg\/ESVWeb\/default.aspx?target=MSDCalculatorIntro)\n\n### When do you not need to pay the SSD?\nSimilar to the ABSD, there are certain scenarios in which you’ll be exempted from the SSD.\n\n![ Person signing bankruptcy document](https:\/\/www.financeguru.sg\/wp-content\/uploads\/2021\/03\/explainer-guide-stamp-duty-singapore-lawyer-bankruptcy-1024x768.jpg)\n\n#### 1\\. Bankruptcy\nIf you’re declared bankrupt and ordered to dispose of your property to pay off your debt, you won’t need to pay the SSD.\n\n#### 2\\. Inheritance\nThis only applies when you inherit an HDB flat. If you own an HDB flat and inherit another one, you’ll need to sell off one of them. This is because you can only own one HDB flat at any one time.\n\nSimilarly, if you own a non-HDB flat and inherit an HDB flat, you’ll need to dispose of the latter.\n\nIn both cases, you won’t have to pay the SSD.\n\n#### 3\\. Marriage\nLet’s say you own an HDB flat and marry someone who has an HDB flat under his or her name.\n\nBoth of you will need to live under one HDB flat and dispose of the other flat, without having to pay for the SSD.\n\n## Paying property stamp duty in Singapore\nAs you can see, whether it’s BSD, ABSD, or SSD, the amount to be paid for stamp duty in Singapore is substantial.\n\nBefore jumping into buying a property, be sure to take into account any conditions and exemptions. While the BSD is unavoidable, you may not have to pay the ABSD if you meet certain criteria.\n\nLikewise, it’s better to hold off selling your property for a few years to reduce or even avoid paying the SSD. Doing all these can help you save money and get you closer to your financial goals.\n\nStill unsure of your stamp duties and mortgage requirements? [Consider engaging a mortgage broker to help you through the process.](https:\/\/www.financeguru.sg\/home-loan-singapore-loan-broker\/)\n\n[![](https:\/\/www.financeguru.sg\/wp-content\/uploads\/2021\/06\/Blog-CTA-banner-1024x187.png)](https:\/\/newslettercampaign.financeguru.sg\/)\n\nAt FinanceGuru, we seek to help homeowners find the best home loan and help them achieve their financial goals. Learn more about how you can optimise your home loan and uncover potential ways to save you money and time. [Get a non-obligatory assessment and loan product recommendations today.](https:\/\/newslettercampaign.financeguru.sg\/)\n\n![Home loan](https:\/\/financeguru.sg\/wp-content\/uploads\/2020\/07\/fb-ads.png)\n\n#### Related articles\n[![Image of a two-storey landed property in Singapore](https:\/\/financeguru.sg\/wp-content\/uploads\/2022\/05\/private-landed-property-guide-buying-landed-300x203.jpg)](https:\/\/financeguru.sg\/private-landed-property-guide-buying-landed-property-note\/)\n\n#### [Private and Landed Property Guide in Singapore: 5 things to take note of when buying a landed property](https:\/\/financeguru.sg\/private-landed-property-guide-buying-landed-property-note\/)\nMay 20, 2022\n\n[![Feature image of private and landed properties in Singapore](https:\/\/financeguru.sg\/wp-content\/uploads\/2022\/05\/private-landed-house-singapore-feature-image-300x213.jpg)](https:\/\/financeguru.sg\/types-private-landed-properties-singapore\/)\n\n#### [Private and Landed Property Guide in Singapore: 6 types of private and landed properties](https:\/\/financeguru.sg\/types-private-landed-properties-singapore\/)\nMay 13, 2022\n\n[![Image of an expat family in their Singapore home](https:\/\/financeguru.sg\/wp-content\/uploads\/2022\/05\/foreigners-buy-property-singapore-expat-family-home-loan-300x200.jpg)](https:\/\/financeguru.sg\/private-landed-property-singapore-buying-foreigner\/)\n\n#### [Private and Landed Property Guide in Singapore 2022: Buying property as a foreigner](https:\/\/financeguru.sg\/private-landed-property-singapore-buying-foreigner\/)\nMay 6, 2022\n\n[![feature image of wooden block spelling credit](https:\/\/financeguru.sg\/wp-content\/uploads\/2022\/04\/feature-image-credit-score-singapore-300x169.jpg)](https:\/\/financeguru.sg\/does-credit-history-matter-apply-home-loan-singapore\/)\n\n#### [Does credit history matter when you apply for a home loan in Singapore?](https:\/\/financeguru.sg\/does-credit-history-matter-apply-home-loan-singapore\/)\nApril 29, 2022\n\n### Rated ⭐⭐⭐⭐⭐ by our customers\\!\n### Get a free no-obligation assessment today\\!\n### Get a free no-obligation assessment today\\!\n![logo-white](https:\/\/financeguru.sg\/wp-content\/uploads\/elementor\/thumbs\/logo-white-p7fypxma3pw545ad2dxoopd9r24lsdu0vjrqywcezy.png)\n\nTo maximise your financial goals, our experts will work with you to ensure that your consultation is specifically tailored to meet your needs and wants. We go to great lengths to present you with the best deals and help you to break down the various mortgage jargons.\n\n![logo-white](https:\/\/financeguru.sg\/wp-content\/uploads\/elementor\/thumbs\/logo-white-p7fypxma3pw545ad2dxoopd9r24lsdu0vjrqywcezy.png)\n\nTo maximise your financial goals, our experts will work with you to ensure that your consultation is specifically tailored to meet your needs and wants. We go to great lengths to present you with the best deals and help you to break down the various mortgage jargons.\n\n![logo-white](https:\/\/financeguru.sg\/wp-content\/uploads\/elementor\/thumbs\/logo-white-p7fypxma3pw545ad2dxoopd9r24lsdu0vjrqywcezy.png)\n\nTo maximise your financial goals, our experts will work with you to ensure that your consultation is specifically tailored to meet your needs and wants. 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All rights reserved\n\n2024 © FinanceGuru. All rights reserved","attrs_readable_markdown":"A property stamp duty is kind of like COE. Just like how COE drives up the cost of owning a car, the stamp duty is one of those fees that makes buying a property so expensive in Singapore.\n\nBut unlike vehicles, there’s also a stamp duty for selling a property in Singapore. In this article, we dive deep into the 3 main types of property stamp duty in Singapore: BSD, ABSD, and SSD.\n\n## What is the Buyer’s Stamp Duty (BSD)?\nThe [Buyer’s Stamp Duty, or BSD](https:\/\/www.iras.gov.sg\/irashome\/Other-Taxes\/Stamp-Duty-for-Property\/Working-out-your-Stamp-Duty\/Buying-or-Acquiring-Property\/What-is-the-Duty-that-I-Need-to-Pay-as-a-Buyer-or-Transferee-of-Residential-Property\/Buyer-s-Stamp-Duty--BSD-\/), is a form of stamp duty that you need to pay as long as you buy or acquire a property in Singapore.\n\nRegardless of your residency status or the number of properties you own, you’ll have to pay for it.\n\n### How to calculate the BSD?\nHow much you’ll need to pay for the BSD depends on 2 things:\n\n- Purchase price or market value of the property, whichever is higher\n- Prevailing BSD rate\n\nAs of 20 February 2018, the current rates are as follows:\n\n| **Purchase price**  **or market value of the**  **property** | **BSD rates**  **for residential property** |\n|---|---|\n| First \\$180,000 | 1% |\n| Next \\$180,000 | 2% |\n| Next \\$640,000 | 3% |\n| Remaining amount | 4% |\n\nLet’s say you’re buying an HDB resale flat for \\$725,000. The calculation for the BSD will be:\n\n(1% × \\$180,000) + (2% × \\$180,000) + (3% × \\$365,000) = \\$16,350\n\nBut if you’re a PR, foreigner buying your first property, or Singaporean buying your second property, you’ll also need to pay another type of stamp duty: ABSD.\n\n## What is the Additional Buyer’s Stamp Duty (ABSD)?\nThe [Additional Buyer’s Stamp Duty (ABSD](https:\/\/www.iras.gov.sg\/irashome\/Other-Taxes\/Stamp-Duty-for-Property\/Working-out-your-Stamp-Duty\/Buying-or-Acquiring-Property\/What-is-the-Duty-that-I-Need-to-Pay-as-a-Buyer-or-Transferee-of-Residential-Property\/Additional-Buyer-s-Stamp-Duty--ABSD-\/)) is a stamp duty that you may have to pay on top of BSD when you buy a residential property in Singapore.\n\nWhether you need to pay for the ABSD depends on 2 things:\n\n- Your residency status\n- Number of residential properties you own\n\n![A phone calculator on top of a notebook and laptop. The calculation of your ABSD is dependent on your residency status and the number of properties you own](https:\/\/www.financeguru.sg\/wp-content\/uploads\/2021\/03\/explainer-guide-stamp-duty-singapore-calculate-1024x684.jpg)\n\nAlt-text: A phone calculator on top of a notebook and laptop. The calculation of your ABSD is dependent on your residency status and the number of properties you own.\n\n### How to calculate the ABSD?\nJust like the BSD, the ABSD is calculated as a percentage of the property’s purchase price or market value, whichever is higher.\n\nHowever, the rate you’ll need to pay depends on your residency status and the number of residential properties you own. If you’re a PR or foreigner, you’ll have ABSD exposure.\n\nSince its introduction in 2011, the ABSD rates have changed over the years. Depending on the property market condition, the government can revise the ABSD rates again.\n\nHere are the current rates, as of 6 July 2018:\n\n| **Buyer profile** | **ABSD rates from 6 July 2018 onwards** |   |   |\n|---|---|---|---|\n|   | First residential property | Second residential property | Third and subsequent property |\n| **Singapore citizens** | – | 12% | 15% |\n| **Singapore PR** | 5% | 15% | 15% |\n| **Foreigners** | 20% | 20% | 20% |\n| **Entities** | 25% (plus an additional 5% for housing developers) | 25% (plus an additional 5% for housing developers) | 25% (plus an additional 5% for housing developers) |\n### What if you’re buying with someone who doesn’t have the same residency status as you?\nHere’s where it can get a little tricky. The short answer is that the higher ABSD rate will be applicable.\n\nLet’s say you’re a Singaporean and currently own 1 property. Your spouse is a PR and also presently owns 1 property. Both of you are planning to buy another condo at \\$1,200,000 together, without selling current properties.\n\nIn this case, the ABSD rate will be based on your spouse’s profile, which will be 15%. This translates to: (15% × \\$1,200,000) = \\$180,000\n\n### How to avoid the ABSD?\nThere are a few ways in which you can go about [without paying for the ABSD.](https:\/\/www.financeguru.sg\/how-to-own-a-second-property-without-paying-absd\/)\n\n#### 1\\. When you’re selling your current property before buying a second property\nIf the buyer for your current property has exercised the Option to Purchase (OTP) before you exercise the OTP for your purchase, there is no ABSD exposure.\n\n#### 2\\. When you and your spouse are selling your first property after buying a second property\nTechnically, both of you will still have to pay for the ABSD first, but you can get a remission for it when you sell your first property within 6 months from the exercising date of your purchase.\n\nFor the uncompleted property, you have 6 months to sell after obtaining TOP\/CSC for the new property.\n\nAfterwards, you’ll need to apply for the remission within 6 months after its sale, provided the ownership status remains.\n\n#### 3\\. When you’re downgrading to an HDB resale flat\nYou won’t be subjected to ABSD if you’re downgrading from private property to an HDB resale flat. This is because you need to sell off your private property within 6 months after buying the resale flat.\n\nOn the other hand, while selling off your property can help you save on ABSD, you may have to pay for another type of stamp duty in Singapore: SSD.\n\n## What is the Seller’s Stamp Duty (SSD)?\nUnlike the BSD and ABSD, the [Seller’s Stamp Duty (SSD)](https:\/\/www.iras.gov.sg\/irashome\/Other-Taxes\/Stamp-Duty-for-Property\/Working-out-your-Stamp-Duty\/Selling-or-Disposing-Property\/Seller-s-Stamp-Duty--SSD--for-Residential-Property\/) is a stamp duty on the sale or acquisition of residential properties in Singapore.\n\nSpecifically, you’ll need to pay the SSD if you sell off your residential property within 3 years after its purchase. SSD is also only applicable for properties bought from 20 February 2010 onwards.\n\nThis means that the SSD won’t be applicable when you sell your HDB flat after the 5-year [Minimum Occupation Period (MOP).](https:\/\/www.hdb.gov.sg\/cs\/infoweb\/residential\/selling-a-flat\/eligibility#:~:text=HDB%20Resale%20Portal.-,Minimum%20Occupation%20Period,it%20on%20the%20open%20market.&text=The%20MOP%20is%20calculated%20from,the%20keys%20to%20your%20flat.)\n\n### How to calculate the SSD?\nHow much you’ll have to pay for the SSD depends on 4 things:\n\n- Type of the property to be sold\n- Date of the property purchase or acquisition\n- Date of the property sale\n- Property price or market value, whichever is higher\n\nJust like the ABSD, the SSD rates have been revised over the years.\n\nThe current SSD rates are as follows:\n\n| **purchase** | **Holding period** | **SSD rate** |\n|---|---|---|\n| From 11 March 2017 onwards | Up to 1 year | 12% |\n|   | More than 1 year and up to 2 years | 8% |\n|   | More than 2 years and up to 3 years | 4% |\n|   | More than 3 years | No SSD to be paid |\n\nLet’s say you bought a condo for \\$1,300,000 on 1 July 2020 and decide to sell it 10 months later, on 1 May 2021, for \\$2,000,000.\n\nSince it’ll be less than 1 year since you’ve bought it, the SSD you’ll need to pay will be 12% of the selling price, which is \\$240,000.\n\nOn the other hand, if you decide to wait longer and sell it on 1 May 2022, which will be 1 year 10 months after the purchase, the SSD to be paid will be 8% of the selling price. This equals \\$160,000.\n\n[You may also use IRAS’ stamp duty calculator to calculate the BSD, ABSD, and SSD to be paid.](https:\/\/mytax.iras.gov.sg\/ESVWeb\/default.aspx?target=MSDCalculatorIntro)\n\n### When do you not need to pay the SSD?\nSimilar to the ABSD, there are certain scenarios in which you’ll be exempted from the SSD.\n\n![ Person signing bankruptcy document](https:\/\/www.financeguru.sg\/wp-content\/uploads\/2021\/03\/explainer-guide-stamp-duty-singapore-lawyer-bankruptcy-1024x768.jpg)\n\n#### 1\\. Bankruptcy\nIf you’re declared bankrupt and ordered to dispose of your property to pay off your debt, you won’t need to pay the SSD.\n\n#### 2\\. Inheritance\nThis only applies when you inherit an HDB flat. If you own an HDB flat and inherit another one, you’ll need to sell off one of them. This is because you can only own one HDB flat at any one time.\n\nSimilarly, if you own a non-HDB flat and inherit an HDB flat, you’ll need to dispose of the latter.\n\nIn both cases, you won’t have to pay the SSD.\n\n#### 3\\. Marriage\nLet’s say you own an HDB flat and marry someone who has an HDB flat under his or her name.\n\nBoth of you will need to live under one HDB flat and dispose of the other flat, without having to pay for the SSD.\n\n## Paying property stamp duty in Singapore\nAs you can see, whether it’s BSD, ABSD, or SSD, the amount to be paid for stamp duty in Singapore is substantial.\n\nBefore jumping into buying a property, be sure to take into account any conditions and exemptions. While the BSD is unavoidable, you may not have to pay the ABSD if you meet certain criteria.\n\nLikewise, it’s better to hold off selling your property for a few years to reduce or even avoid paying the SSD. Doing all these can help you save money and get you closer to your financial goals.\n\nStill unsure of your stamp duties and mortgage requirements? [Consider engaging a mortgage broker to help you through the process.](https:\/\/www.financeguru.sg\/home-loan-singapore-loan-broker\/)\n\n[![](https:\/\/www.financeguru.sg\/wp-content\/uploads\/2021\/06\/Blog-CTA-banner-1024x187.png)](https:\/\/newslettercampaign.financeguru.sg\/)\n\nAt FinanceGuru, we seek to help homeowners find the best home loan and help them achieve their financial goals. Learn more about how you can optimise your home loan and uncover potential ways to save you money and time. [Get a non-obligatory assessment and loan product recommendations today.](https:\/\/newslettercampaign.financeguru.sg\/)","meta_canonical":null}

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Boilerpipe Text	A property stamp duty is kind of like COE. Just like how COE drives up the cost of owning a car, the stamp duty is one of those fees that makes buying a property so expensive in Singapore. But unlike vehicles, there’s also a stamp duty for selling a property in Singapore. In this article, we dive deep into the 3 main types of property stamp duty in Singapore: BSD, ABSD, and SSD. What is the Buyer’s Stamp Duty (BSD)? The Buyer’s Stamp Duty, or BSD , is a form of stamp duty that you need to pay as long as you buy or acquire a property in Singapore. Regardless of your residency status or the number of properties you own, you’ll have to pay for it. How to calculate the BSD? How much you’ll need to pay for the BSD depends on 2 things: Purchase price or market value of the property, whichever is higher Prevailing BSD rate As of 20 February 2018, the current rates are as follows: Purchase price or market value of the property BSD rates for residential property First $180,000 1% Next $180,000 2% Next $640,000 3% Remaining amount 4% Let’s say you’re buying an HDB resale flat for $725,000. The calculation for the BSD will be: (1% × $180,000) + (2% × $180,000) + (3% × $365,000) = $16,350 But if you’re a PR, foreigner buying your first property, or Singaporean buying your second property, you’ll also need to pay another type of stamp duty: ABSD. What is the Additional Buyer’s Stamp Duty (ABSD)? The Additional Buyer’s Stamp Duty (ABSD ) is a stamp duty that you may have to pay on top of BSD when you buy a residential property in Singapore. Whether you need to pay for the ABSD depends on 2 things: Your residency status Number of residential properties you own Alt-text: A phone calculator on top of a notebook and laptop. The calculation of your ABSD is dependent on your residency status and the number of properties you own. How to calculate the ABSD? Just like the BSD, the ABSD is calculated as a percentage of the property’s purchase price or market value, whichever is higher. However, the rate you’ll need to pay depends on your residency status and the number of residential properties you own. If you’re a PR or foreigner, you’ll have ABSD exposure. Since its introduction in 2011, the ABSD rates have changed over the years. Depending on the property market condition, the government can revise the ABSD rates again. Here are the current rates, as of 6 July 2018: Buyer profile ABSD rates from 6 July 2018 onwards First residential property Second residential property Third and subsequent property Singapore citizens – 12% 15% Singapore PR 5% 15% 15% Foreigners 20% 20% 20% Entities 25% (plus an additional 5% for housing developers) 25% (plus an additional 5% for housing developers) 25% (plus an additional 5% for housing developers) What if you’re buying with someone who doesn’t have the same residency status as you? Here’s where it can get a little tricky. The short answer is that the higher ABSD rate will be applicable. Let’s say you’re a Singaporean and currently own 1 property. Your spouse is a PR and also presently owns 1 property. Both of you are planning to buy another condo at $1,200,000 together, without selling current properties. In this case, the ABSD rate will be based on your spouse’s profile, which will be 15%. This translates to: (15% × $1,200,000) = $180,000 How to avoid the ABSD? There are a few ways in which you can go about without paying for the ABSD. 1. When you’re selling your current property before buying a second property If the buyer for your current property has exercised the Option to Purchase (OTP) before you exercise the OTP for your purchase, there is no ABSD exposure. 2. When you and your spouse are selling your first property after buying a second property Technically, both of you will still have to pay for the ABSD first, but you can get a remission for it when you sell your first property within 6 months from the exercising date of your purchase. For the uncompleted property, you have 6 months to sell after obtaining TOP/CSC for the new property. Afterwards, you’ll need to apply for the remission within 6 months after its sale, provided the ownership status remains. 3. When you’re downgrading to an HDB resale flat You won’t be subjected to ABSD if you’re downgrading from private property to an HDB resale flat. This is because you need to sell off your private property within 6 months after buying the resale flat. On the other hand, while selling off your property can help you save on ABSD, you may have to pay for another type of stamp duty in Singapore: SSD. What is the Seller’s Stamp Duty (SSD)? Unlike the BSD and ABSD, the Seller’s Stamp Duty (SSD) is a stamp duty on the sale or acquisition of residential properties in Singapore. Specifically, you’ll need to pay the SSD if you sell off your residential property within 3 years after its purchase. SSD is also only applicable for properties bought from 20 February 2010 onwards. This means that the SSD won’t be applicable when you sell your HDB flat after the 5-year Minimum Occupation Period (MOP). How to calculate the SSD? How much you’ll have to pay for the SSD depends on 4 things: Type of the property to be sold Date of the property purchase or acquisition Date of the property sale Property price or market value, whichever is higher Just like the ABSD, the SSD rates have been revised over the years. The current SSD rates are as follows: purchase Holding period SSD rate From 11 March 2017 onwards Up to 1 year 12% More than 1 year and up to 2 years 8% More than 2 years and up to 3 years 4% More than 3 years No SSD to be paid Let’s say you bought a condo for $1,300,000 on 1 July 2020 and decide to sell it 10 months later, on 1 May 2021, for $2,000,000. Since it’ll be less than 1 year since you’ve bought it, the SSD you’ll need to pay will be 12% of the selling price, which is $240,000. On the other hand, if you decide to wait longer and sell it on 1 May 2022, which will be 1 year 10 months after the purchase, the SSD to be paid will be 8% of the selling price. This equals $160,000. You may also use IRAS’ stamp duty calculator to calculate the BSD, ABSD, and SSD to be paid. When do you not need to pay the SSD? Similar to the ABSD, there are certain scenarios in which you’ll be exempted from the SSD. 1. Bankruptcy If you’re declared bankrupt and ordered to dispose of your property to pay off your debt, you won’t need to pay the SSD. 2. Inheritance This only applies when you inherit an HDB flat. If you own an HDB flat and inherit another one, you’ll need to sell off one of them. This is because you can only own one HDB flat at any one time. Similarly, if you own a non-HDB flat and inherit an HDB flat, you’ll need to dispose of the latter. In both cases, you won’t have to pay the SSD. 3. Marriage Let’s say you own an HDB flat and marry someone who has an HDB flat under his or her name. Both of you will need to live under one HDB flat and dispose of the other flat, without having to pay for the SSD. Paying property stamp duty in Singapore As you can see, whether it’s BSD, ABSD, or SSD, the amount to be paid for stamp duty in Singapore is substantial. Before jumping into buying a property, be sure to take into account any conditions and exemptions. While the BSD is unavoidable, you may not have to pay the ABSD if you meet certain criteria. Likewise, it’s better to hold off selling your property for a few years to reduce or even avoid paying the SSD. Doing all these can help you save money and get you closer to your financial goals. Still unsure of your stamp duties and mortgage requirements? Consider engaging a mortgage broker to help you through the process. At FinanceGuru, we seek to help homeowners find the best home loan and help them achieve their financial goals. Learn more about how you can optimise your home loan and uncover potential ways to save you money and time. Get a non-obligatory assessment and loan product recommendations today.
Markdown	[Skip to the content](https://financeguru.sg/property-stamp-duty-singapore-explained-absd-bsd-ssd/#site-content) [![](https://financeguru.sg/wp-content/uploads/2020/08/cropped-new-FG-logo.png)](https://financeguru.sg/) - [Home](https://financeguru.sg/) - [Services](https://financeguru.sg/property-stamp-duty-singapore-explained-absd-bsd-ssd/) - [Home Loans](https://financeguru.sg/home-loans/) - [Blog](https://financeguru.sg/blog/) - [Contact](https://financeguru.sg/contact/) Menu - [Home](https://financeguru.sg/) - [Services](https://financeguru.sg/property-stamp-duty-singapore-explained-absd-bsd-ssd/) - [Home Loans](https://financeguru.sg/home-loans/) - [Blog](https://financeguru.sg/blog/) - [Contact](https://financeguru.sg/contact/) - [Home](https://financeguru.sg/) - [Services](https://financeguru.sg/property-stamp-duty-singapore-explained-absd-bsd-ssd/) - [Home Loans](https://financeguru.sg/home-loans/) - [Blog](https://financeguru.sg/blog/) - [Contact](https://financeguru.sg/contact/) Menu - [Home](https://financeguru.sg/) - [Services](https://financeguru.sg/property-stamp-duty-singapore-explained-absd-bsd-ssd/) - [Home Loans](https://financeguru.sg/home-loans/) - [Blog](https://financeguru.sg/blog/) - [Contact](https://financeguru.sg/contact/) [![](https://financeguru.sg/wp-content/uploads/2020/08/cropped-new-FG-logo.png)](https://financeguru.sg/) - [Home Loans](https://financeguru.sg/category/home-loans/) ## Ultimate explainer guide to property stamp duty in Singapore: BSD, ABSD, SSD ![A new HDB BTO flat in Singapore that’s subjected to property stamp duty like BSD](https://financeguru.sg/wp-content/uploads/2021/03/explainer-guide-stamp-duty-singapore-hdb-bto-apartment-1024x664.jpg) - [Posted On March 12, 2021](https://financeguru.sg/2021/03/12/) [Facebook]() [Twitter]() [Instagram]() - [Home Loans](https://financeguru.sg/category/home-loans/) ## Ultimate explainer guide to property stamp duty in Singapore: BSD, ABSD, SSD ![A new HDB BTO flat in Singapore that’s subjected to property stamp duty like BSD](https://financeguru.sg/wp-content/uploads/2021/03/explainer-guide-stamp-duty-singapore-hdb-bto-apartment-1024x664.jpg) - [Posted On March 12, 2021](https://financeguru.sg/2021/03/12/) A property stamp duty is kind of like COE. Just like how COE drives up the cost of owning a car, the stamp duty is one of those fees that makes buying a property so expensive in Singapore. But unlike vehicles, there’s also a stamp duty for selling a property in Singapore. In this article, we dive deep into the 3 main types of property stamp duty in Singapore: BSD, ABSD, and SSD. ## What is the Buyer’s Stamp Duty (BSD)? The [Buyer’s Stamp Duty, or BSD](https://www.iras.gov.sg/irashome/Other-Taxes/Stamp-Duty-for-Property/Working-out-your-Stamp-Duty/Buying-or-Acquiring-Property/What-is-the-Duty-that-I-Need-to-Pay-as-a-Buyer-or-Transferee-of-Residential-Property/Buyer-s-Stamp-Duty--BSD-/), is a form of stamp duty that you need to pay as long as you buy or acquire a property in Singapore. Regardless of your residency status or the number of properties you own, you’ll have to pay for it. ### How to calculate the BSD? How much you’ll need to pay for the BSD depends on 2 things: - Purchase price or market value of the property, whichever is higher - Prevailing BSD rate As of 20 February 2018, the current rates are as follows: \| Purchase price or market value of the property \| BSD rates for residential property \| \|---\|---\| \| First \$180,000 \| 1% \| \| Next \$180,000 \| 2% \| \| Next \$640,000 \| 3% \| \| Remaining amount \| 4% \| Let’s say you’re buying an HDB resale flat for \$725,000. The calculation for the BSD will be: (1% × \$180,000) + (2% × \$180,000) + (3% × \$365,000) = \$16,350 But if you’re a PR, foreigner buying your first property, or Singaporean buying your second property, you’ll also need to pay another type of stamp duty: ABSD. ## What is the Additional Buyer’s Stamp Duty (ABSD)? The [Additional Buyer’s Stamp Duty (ABSD](https://www.iras.gov.sg/irashome/Other-Taxes/Stamp-Duty-for-Property/Working-out-your-Stamp-Duty/Buying-or-Acquiring-Property/What-is-the-Duty-that-I-Need-to-Pay-as-a-Buyer-or-Transferee-of-Residential-Property/Additional-Buyer-s-Stamp-Duty--ABSD-/)) is a stamp duty that you may have to pay on top of BSD when you buy a residential property in Singapore. Whether you need to pay for the ABSD depends on 2 things: - Your residency status - Number of residential properties you own ![A phone calculator on top of a notebook and laptop. The calculation of your ABSD is dependent on your residency status and the number of properties you own](https://www.financeguru.sg/wp-content/uploads/2021/03/explainer-guide-stamp-duty-singapore-calculate-1024x684.jpg) Alt-text: A phone calculator on top of a notebook and laptop. The calculation of your ABSD is dependent on your residency status and the number of properties you own. ### How to calculate the ABSD? Just like the BSD, the ABSD is calculated as a percentage of the property’s purchase price or market value, whichever is higher. However, the rate you’ll need to pay depends on your residency status and the number of residential properties you own. If you’re a PR or foreigner, you’ll have ABSD exposure. Since its introduction in 2011, the ABSD rates have changed over the years. Depending on the property market condition, the government can revise the ABSD rates again. Here are the current rates, as of 6 July 2018: \| Buyer profile \| ABSD rates from 6 July 2018 onwards \| \| \| \|---\|---\|---\|---\| \| \| First residential property \| Second residential property \| Third and subsequent property \| \| Singapore citizens \| – \| 12% \| 15% \| \| Singapore PR \| 5% \| 15% \| 15% \| \| Foreigners \| 20% \| 20% \| 20% \| \| Entities \| 25% (plus an additional 5% for housing developers) \| 25% (plus an additional 5% for housing developers) \| 25% (plus an additional 5% for housing developers) \| ### What if you’re buying with someone who doesn’t have the same residency status as you? Here’s where it can get a little tricky. The short answer is that the higher ABSD rate will be applicable. Let’s say you’re a Singaporean and currently own 1 property. Your spouse is a PR and also presently owns 1 property. Both of you are planning to buy another condo at \$1,200,000 together, without selling current properties. In this case, the ABSD rate will be based on your spouse’s profile, which will be 15%. This translates to: (15% × \$1,200,000) = \$180,000 ### How to avoid the ABSD? There are a few ways in which you can go about [without paying for the ABSD.](https://www.financeguru.sg/how-to-own-a-second-property-without-paying-absd/) #### 1\. When you’re selling your current property before buying a second property If the buyer for your current property has exercised the Option to Purchase (OTP) before you exercise the OTP for your purchase, there is no ABSD exposure. #### 2\. When you and your spouse are selling your first property after buying a second property Technically, both of you will still have to pay for the ABSD first, but you can get a remission for it when you sell your first property within 6 months from the exercising date of your purchase. For the uncompleted property, you have 6 months to sell after obtaining TOP/CSC for the new property. Afterwards, you’ll need to apply for the remission within 6 months after its sale, provided the ownership status remains. #### 3\. When you’re downgrading to an HDB resale flat You won’t be subjected to ABSD if you’re downgrading from private property to an HDB resale flat. This is because you need to sell off your private property within 6 months after buying the resale flat. On the other hand, while selling off your property can help you save on ABSD, you may have to pay for another type of stamp duty in Singapore: SSD. ## What is the Seller’s Stamp Duty (SSD)? Unlike the BSD and ABSD, the [Seller’s Stamp Duty (SSD)](https://www.iras.gov.sg/irashome/Other-Taxes/Stamp-Duty-for-Property/Working-out-your-Stamp-Duty/Selling-or-Disposing-Property/Seller-s-Stamp-Duty--SSD--for-Residential-Property/) is a stamp duty on the sale or acquisition of residential properties in Singapore. Specifically, you’ll need to pay the SSD if you sell off your residential property within 3 years after its purchase. SSD is also only applicable for properties bought from 20 February 2010 onwards. This means that the SSD won’t be applicable when you sell your HDB flat after the 5-year [Minimum Occupation Period (MOP).](https://www.hdb.gov.sg/cs/infoweb/residential/selling-a-flat/eligibility#:~:text=HDB%20Resale%20Portal.-,Minimum%20Occupation%20Period,it%20on%20the%20open%20market.&text=The%20MOP%20is%20calculated%20from,the%20keys%20to%20your%20flat.) ### How to calculate the SSD? How much you’ll have to pay for the SSD depends on 4 things: - Type of the property to be sold - Date of the property purchase or acquisition - Date of the property sale - Property price or market value, whichever is higher Just like the ABSD, the SSD rates have been revised over the years. The current SSD rates are as follows: \| purchase \| Holding period \| SSD rate \| \|---\|---\|---\| \| From 11 March 2017 onwards \| Up to 1 year \| 12% \| \| \| More than 1 year and up to 2 years \| 8% \| \| \| More than 2 years and up to 3 years \| 4% \| \| \| More than 3 years \| No SSD to be paid \| Let’s say you bought a condo for \$1,300,000 on 1 July 2020 and decide to sell it 10 months later, on 1 May 2021, for \$2,000,000. Since it’ll be less than 1 year since you’ve bought it, the SSD you’ll need to pay will be 12% of the selling price, which is \$240,000. On the other hand, if you decide to wait longer and sell it on 1 May 2022, which will be 1 year 10 months after the purchase, the SSD to be paid will be 8% of the selling price. This equals \$160,000. [You may also use IRAS’ stamp duty calculator to calculate the BSD, ABSD, and SSD to be paid.](https://mytax.iras.gov.sg/ESVWeb/default.aspx?target=MSDCalculatorIntro) ### When do you not need to pay the SSD? Similar to the ABSD, there are certain scenarios in which you’ll be exempted from the SSD. ![ Person signing bankruptcy document](https://www.financeguru.sg/wp-content/uploads/2021/03/explainer-guide-stamp-duty-singapore-lawyer-bankruptcy-1024x768.jpg) #### 1\. Bankruptcy If you’re declared bankrupt and ordered to dispose of your property to pay off your debt, you won’t need to pay the SSD. #### 2\. Inheritance This only applies when you inherit an HDB flat. If you own an HDB flat and inherit another one, you’ll need to sell off one of them. This is because you can only own one HDB flat at any one time. Similarly, if you own a non-HDB flat and inherit an HDB flat, you’ll need to dispose of the latter. In both cases, you won’t have to pay the SSD. #### 3\. Marriage Let’s say you own an HDB flat and marry someone who has an HDB flat under his or her name. Both of you will need to live under one HDB flat and dispose of the other flat, without having to pay for the SSD. ## Paying property stamp duty in Singapore As you can see, whether it’s BSD, ABSD, or SSD, the amount to be paid for stamp duty in Singapore is substantial. Before jumping into buying a property, be sure to take into account any conditions and exemptions. While the BSD is unavoidable, you may not have to pay the ABSD if you meet certain criteria. Likewise, it’s better to hold off selling your property for a few years to reduce or even avoid paying the SSD. Doing all these can help you save money and get you closer to your financial goals. Still unsure of your stamp duties and mortgage requirements? [Consider engaging a mortgage broker to help you through the process.](https://www.financeguru.sg/home-loan-singapore-loan-broker/) [![](https://www.financeguru.sg/wp-content/uploads/2021/06/Blog-CTA-banner-1024x187.png)](https://newslettercampaign.financeguru.sg/) At FinanceGuru, we seek to help homeowners find the best home loan and help them achieve their financial goals. Learn more about how you can optimise your home loan and uncover potential ways to save you money and time. [Get a non-obligatory assessment and loan product recommendations today.](https://newslettercampaign.financeguru.sg/) ![Home loan](https://financeguru.sg/wp-content/uploads/2020/07/fb-ads.png) #### Related articles [![Image of a two-storey landed property in Singapore](https://financeguru.sg/wp-content/uploads/2022/05/private-landed-property-guide-buying-landed-300x203.jpg)](https://financeguru.sg/private-landed-property-guide-buying-landed-property-note/) #### [Private and Landed Property Guide in Singapore: 5 things to take note of when buying a landed property](https://financeguru.sg/private-landed-property-guide-buying-landed-property-note/) May 20, 2022 [![Feature image of private and landed properties in Singapore](https://financeguru.sg/wp-content/uploads/2022/05/private-landed-house-singapore-feature-image-300x213.jpg)](https://financeguru.sg/types-private-landed-properties-singapore/) #### [Private and Landed Property Guide in Singapore: 6 types of private and landed properties](https://financeguru.sg/types-private-landed-properties-singapore/) May 13, 2022 [![Image of an expat family in their Singapore home](https://financeguru.sg/wp-content/uploads/2022/05/foreigners-buy-property-singapore-expat-family-home-loan-300x200.jpg)](https://financeguru.sg/private-landed-property-singapore-buying-foreigner/) #### [Private and Landed Property Guide in Singapore 2022: Buying property as a foreigner](https://financeguru.sg/private-landed-property-singapore-buying-foreigner/) May 6, 2022 [![feature image of wooden block spelling credit](https://financeguru.sg/wp-content/uploads/2022/04/feature-image-credit-score-singapore-300x169.jpg)](https://financeguru.sg/does-credit-history-matter-apply-home-loan-singapore/) #### [Does credit history matter when you apply for a home loan in Singapore?](https://financeguru.sg/does-credit-history-matter-apply-home-loan-singapore/) April 29, 2022 ### Rated ⭐⭐⭐⭐⭐ by our customers\! ### Get a free no-obligation assessment today\! ### Get a free no-obligation assessment today\! ![logo-white](https://financeguru.sg/wp-content/uploads/elementor/thumbs/logo-white-p7fypxma3pw545ad2dxoopd9r24lsdu0vjrqywcezy.png) To maximise your financial goals, our experts will work with you to ensure that your consultation is specifically tailored to meet your needs and wants. 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Readable Markdown	A property stamp duty is kind of like COE. Just like how COE drives up the cost of owning a car, the stamp duty is one of those fees that makes buying a property so expensive in Singapore. But unlike vehicles, there’s also a stamp duty for selling a property in Singapore. In this article, we dive deep into the 3 main types of property stamp duty in Singapore: BSD, ABSD, and SSD. ## What is the Buyer’s Stamp Duty (BSD)? The [Buyer’s Stamp Duty, or BSD](https://www.iras.gov.sg/irashome/Other-Taxes/Stamp-Duty-for-Property/Working-out-your-Stamp-Duty/Buying-or-Acquiring-Property/What-is-the-Duty-that-I-Need-to-Pay-as-a-Buyer-or-Transferee-of-Residential-Property/Buyer-s-Stamp-Duty--BSD-/), is a form of stamp duty that you need to pay as long as you buy or acquire a property in Singapore. Regardless of your residency status or the number of properties you own, you’ll have to pay for it. ### How to calculate the BSD? How much you’ll need to pay for the BSD depends on 2 things: - Purchase price or market value of the property, whichever is higher - Prevailing BSD rate As of 20 February 2018, the current rates are as follows: \| Purchase price or market value of the property \| BSD rates for residential property \| \|---\|---\| \| First \$180,000 \| 1% \| \| Next \$180,000 \| 2% \| \| Next \$640,000 \| 3% \| \| Remaining amount \| 4% \| Let’s say you’re buying an HDB resale flat for \$725,000. The calculation for the BSD will be: (1% × \$180,000) + (2% × \$180,000) + (3% × \$365,000) = \$16,350 But if you’re a PR, foreigner buying your first property, or Singaporean buying your second property, you’ll also need to pay another type of stamp duty: ABSD. ## What is the Additional Buyer’s Stamp Duty (ABSD)? The [Additional Buyer’s Stamp Duty (ABSD](https://www.iras.gov.sg/irashome/Other-Taxes/Stamp-Duty-for-Property/Working-out-your-Stamp-Duty/Buying-or-Acquiring-Property/What-is-the-Duty-that-I-Need-to-Pay-as-a-Buyer-or-Transferee-of-Residential-Property/Additional-Buyer-s-Stamp-Duty--ABSD-/)) is a stamp duty that you may have to pay on top of BSD when you buy a residential property in Singapore. Whether you need to pay for the ABSD depends on 2 things: - Your residency status - Number of residential properties you own ![A phone calculator on top of a notebook and laptop. The calculation of your ABSD is dependent on your residency status and the number of properties you own](https://www.financeguru.sg/wp-content/uploads/2021/03/explainer-guide-stamp-duty-singapore-calculate-1024x684.jpg) Alt-text: A phone calculator on top of a notebook and laptop. The calculation of your ABSD is dependent on your residency status and the number of properties you own. ### How to calculate the ABSD? Just like the BSD, the ABSD is calculated as a percentage of the property’s purchase price or market value, whichever is higher. However, the rate you’ll need to pay depends on your residency status and the number of residential properties you own. If you’re a PR or foreigner, you’ll have ABSD exposure. Since its introduction in 2011, the ABSD rates have changed over the years. Depending on the property market condition, the government can revise the ABSD rates again. Here are the current rates, as of 6 July 2018: \| Buyer profile \| ABSD rates from 6 July 2018 onwards \| \| \| \|---\|---\|---\|---\| \| \| First residential property \| Second residential property \| Third and subsequent property \| \| Singapore citizens \| – \| 12% \| 15% \| \| Singapore PR \| 5% \| 15% \| 15% \| \| Foreigners \| 20% \| 20% \| 20% \| \| Entities \| 25% (plus an additional 5% for housing developers) \| 25% (plus an additional 5% for housing developers) \| 25% (plus an additional 5% for housing developers) \| ### What if you’re buying with someone who doesn’t have the same residency status as you? Here’s where it can get a little tricky. The short answer is that the higher ABSD rate will be applicable. Let’s say you’re a Singaporean and currently own 1 property. Your spouse is a PR and also presently owns 1 property. Both of you are planning to buy another condo at \$1,200,000 together, without selling current properties. In this case, the ABSD rate will be based on your spouse’s profile, which will be 15%. This translates to: (15% × \$1,200,000) = \$180,000 ### How to avoid the ABSD? There are a few ways in which you can go about [without paying for the ABSD.](https://www.financeguru.sg/how-to-own-a-second-property-without-paying-absd/) #### 1\. When you’re selling your current property before buying a second property If the buyer for your current property has exercised the Option to Purchase (OTP) before you exercise the OTP for your purchase, there is no ABSD exposure. #### 2\. When you and your spouse are selling your first property after buying a second property Technically, both of you will still have to pay for the ABSD first, but you can get a remission for it when you sell your first property within 6 months from the exercising date of your purchase. For the uncompleted property, you have 6 months to sell after obtaining TOP/CSC for the new property. Afterwards, you’ll need to apply for the remission within 6 months after its sale, provided the ownership status remains. #### 3\. When you’re downgrading to an HDB resale flat You won’t be subjected to ABSD if you’re downgrading from private property to an HDB resale flat. This is because you need to sell off your private property within 6 months after buying the resale flat. On the other hand, while selling off your property can help you save on ABSD, you may have to pay for another type of stamp duty in Singapore: SSD. ## What is the Seller’s Stamp Duty (SSD)? Unlike the BSD and ABSD, the [Seller’s Stamp Duty (SSD)](https://www.iras.gov.sg/irashome/Other-Taxes/Stamp-Duty-for-Property/Working-out-your-Stamp-Duty/Selling-or-Disposing-Property/Seller-s-Stamp-Duty--SSD--for-Residential-Property/) is a stamp duty on the sale or acquisition of residential properties in Singapore. Specifically, you’ll need to pay the SSD if you sell off your residential property within 3 years after its purchase. SSD is also only applicable for properties bought from 20 February 2010 onwards. This means that the SSD won’t be applicable when you sell your HDB flat after the 5-year [Minimum Occupation Period (MOP).](https://www.hdb.gov.sg/cs/infoweb/residential/selling-a-flat/eligibility#:~:text=HDB%20Resale%20Portal.-,Minimum%20Occupation%20Period,it%20on%20the%20open%20market.&text=The%20MOP%20is%20calculated%20from,the%20keys%20to%20your%20flat.) ### How to calculate the SSD? How much you’ll have to pay for the SSD depends on 4 things: - Type of the property to be sold - Date of the property purchase or acquisition - Date of the property sale - Property price or market value, whichever is higher Just like the ABSD, the SSD rates have been revised over the years. The current SSD rates are as follows: \| purchase \| Holding period \| SSD rate \| \|---\|---\|---\| \| From 11 March 2017 onwards \| Up to 1 year \| 12% \| \| \| More than 1 year and up to 2 years \| 8% \| \| \| More than 2 years and up to 3 years \| 4% \| \| \| More than 3 years \| No SSD to be paid \| Let’s say you bought a condo for \$1,300,000 on 1 July 2020 and decide to sell it 10 months later, on 1 May 2021, for \$2,000,000. Since it’ll be less than 1 year since you’ve bought it, the SSD you’ll need to pay will be 12% of the selling price, which is \$240,000. On the other hand, if you decide to wait longer and sell it on 1 May 2022, which will be 1 year 10 months after the purchase, the SSD to be paid will be 8% of the selling price. This equals \$160,000. [You may also use IRAS’ stamp duty calculator to calculate the BSD, ABSD, and SSD to be paid.](https://mytax.iras.gov.sg/ESVWeb/default.aspx?target=MSDCalculatorIntro) ### When do you not need to pay the SSD? Similar to the ABSD, there are certain scenarios in which you’ll be exempted from the SSD. ![ Person signing bankruptcy document](https://www.financeguru.sg/wp-content/uploads/2021/03/explainer-guide-stamp-duty-singapore-lawyer-bankruptcy-1024x768.jpg) #### 1\. Bankruptcy If you’re declared bankrupt and ordered to dispose of your property to pay off your debt, you won’t need to pay the SSD. #### 2\. Inheritance This only applies when you inherit an HDB flat. If you own an HDB flat and inherit another one, you’ll need to sell off one of them. This is because you can only own one HDB flat at any one time. Similarly, if you own a non-HDB flat and inherit an HDB flat, you’ll need to dispose of the latter. In both cases, you won’t have to pay the SSD. #### 3\. Marriage Let’s say you own an HDB flat and marry someone who has an HDB flat under his or her name. Both of you will need to live under one HDB flat and dispose of the other flat, without having to pay for the SSD. ## Paying property stamp duty in Singapore As you can see, whether it’s BSD, ABSD, or SSD, the amount to be paid for stamp duty in Singapore is substantial. Before jumping into buying a property, be sure to take into account any conditions and exemptions. While the BSD is unavoidable, you may not have to pay the ABSD if you meet certain criteria. Likewise, it’s better to hold off selling your property for a few years to reduce or even avoid paying the SSD. Doing all these can help you save money and get you closer to your financial goals. Still unsure of your stamp duties and mortgage requirements? [Consider engaging a mortgage broker to help you through the process.](https://www.financeguru.sg/home-loan-singapore-loan-broker/) [![](https://www.financeguru.sg/wp-content/uploads/2021/06/Blog-CTA-banner-1024x187.png)](https://newslettercampaign.financeguru.sg/) At FinanceGuru, we seek to help homeowners find the best home loan and help them achieve their financial goals. Learn more about how you can optimise your home loan and uncover potential ways to save you money and time. [Get a non-obligatory assessment and loan product recommendations today.](https://newslettercampaign.financeguru.sg/)
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