Singapore property calculators
Every figure comes with its working, so you can check your own answer line by line.
BSD & ABSD CalculatorBuyer's and additional buyer's stamp duty with tier-by-tier working.Seller's Stamp Duty CalculatorHolding period, SSD rate and the date a sale becomes SSD-free.Rental Stamp Duty CalculatorStamp duty on a tenancy from monthly rent and lease term.Property Tax CalculatorYearly tax from Annual Value at owner-occupied or rented-out rates.Mortgage CalculatorMonthly instalment, total interest and year-by-year balance.TDSR & MSR CalculatorMaximum instalment and loan from income and existing debts.LTV & Downpayment CalculatorMaximum loan, minimum cash and CPF portion of the downpayment.
Key rates at a glance
| Value | Rate |
|---|---|
| First S$180,000 | 1% |
| Next S$180,000 | 2% |
| Next S$640,000 | 3% |
| Next S$500,000 | 4% |
| Next S$1,500,000 | 5% |
| Remaining amount | 6% |
| Buyer | ABSD |
|---|---|
| Singapore Citizen · 1st home | 0% |
| Singapore Citizen · 2nd home | 20% |
| Singapore Citizen · 3rd+ home | 30% |
| Permanent Resident · 1st home | 5% |
| Permanent Resident · 2nd home | 30% |
| Permanent Resident · 3rd+ home | 35% |
| Foreigner · any home | 60% |
| Entity or trustee | 65% |
| Sold | SSD |
|---|---|
| Within 1 year | 16% |
| In year 2 | 12% |
| In year 3 | 8% |
| In year 4 | 4% |
| After 4 years | 0% |
| Sold | SSD |
|---|---|
| Within 1 year | 12% |
| In year 2 | 8% |
| In year 3 | 4% |
| After 3 years | 0% |
| Sold | SSD |
|---|---|
| Within 1 year | 16% |
| In year 2 | 12% |
| In year 3 | 8% |
| In year 4 | 4% |
| After 4 years | 0% |
| Annual Value | Rate |
|---|---|
| First S$12,000 | 0% |
| Next S$28,000 | 4% |
| Next S$10,000 | 6% |
| Next S$25,000 | 10% |
| Next S$10,000 | 14% |
| Next S$15,000 | 20% |
| Next S$40,000 | 26% |
| Remaining amount | 32% |
| Annual Value | Rate |
|---|---|
| First S$30,000 | 12% |
| Next S$15,000 | 20% |
| Next S$15,000 | 28% |
| Remaining amount | 36% |
| Rule | Limit |
|---|---|
| Total Debt Servicing Ratio (TDSR) | 55% of gross monthly income |
| Mortgage Servicing Ratio (MSR) · HDB flats and ECs | 30% of gross monthly income |
| Interest rate floor · residential | 4% |
| Interest rate floor · non-residential | 5% |
| Haircut on variable income | 30% |
| Bank loan | LTV | LTV · long tenure | Minimum cash |
|---|---|---|---|
| No other housing loan | 75% | 55% | 5% (10% long tenure) |
| 1 outstanding housing loan | 45% | 25% | 25% |
| 2 or more outstanding housing loans | 35% | 15% | 25% |
HDB housing loan: 75% LTV. Long tenure = over 30 years (25 for HDB flats) or past age 65.
| Lease term | Duty |
|---|---|
| 4 years or less | 0.4% of total rent |
| More than 4 years | 0.4% of 4 × average annual rent |
| Average annual rent S$1,000 or less | Exempt |