Question 1

What is the ABSD rate for Singapore Citizens in 2026?

Accepted Answer

Singapore Citizens pay 0% ABSD on their first residential property, 20% on their second property, and 30% on their third and subsequent properties. These rates were last updated in the April 2023 cooling measures.

Question 2

How is Buyer's Stamp Duty (BSD) calculated in Singapore?

Accepted Answer

BSD is calculated on a progressive scale: 1% on the first $180,000, 2% on the next $180,000, 3% on the next $640,000, 4% on the next $500,000, 5% on the next $1.5M, and 6% on the remainder above $3M. For a $1M property, BSD is approximately $24,600.

Question 3

Can I get ABSD remission if I sell my first property?

Accepted Answer

Yes. Singapore Citizens who buy a second property and sell their first within 6 months can apply for ABSD remission. Married couples where one spouse is an SC may also qualify. The remission must be applied for within 6 months of the sale.

Question 4

What is the ABSD rate for foreigners buying property in Singapore?

Accepted Answer

Foreigners pay 60% ABSD on any residential property purchase in Singapore. This rate was increased from 30% in the April 2023 cooling measures. There are no remissions available for foreign buyers.

Question 5

Do Singapore citizens pay ABSD on their first property?

Accepted Answer

No. Singapore citizens buying their first residential property pay 0% ABSD. ABSD kicks in from the second property onwards — 20% for citizens, 30% for PRs on their first property, and 60% for foreigners.

Question 6

How is ABSD calculated with BSD?

Accepted Answer

BSD and ABSD are calculated separately on the purchase price (or market value, whichever is higher). You pay both. For example, on a $1.5M condo: BSD is about $49,600 and ABSD (if 20%) is $300,000 — total stamp duty $349,600.

Question 7

What is the ABSD rate for PRs in Singapore?

Accepted Answer

Permanent Residents pay 5% ABSD on their first property and 30% on their second and subsequent properties. This is significantly higher than citizens (0% first, 20% second) — making PR status a major factor in property planning.

Question 8

Is ABSD included in the loan calculation?

Accepted Answer

No. ABSD must be paid in cash or CPF on top of your property purchase. Banks do not include ABSD in the loan amount. Budget for it separately when planning your purchase.

The stamp duty nobody budgets for

Know your stamp duty before you sign

ABSD Rates 2026 (Current)

BSD Rates (Buyer's Stamp Duty)

ABSD Remission

Frequently Asked Questions

Now that you know your stamp duty...

Buyer Profile	1st Property	2nd Property	3rd+ Property
Singapore Citizen	0%	20%	30%
Permanent Resident	5%	30%	35%
Foreigner	60%	60%	60%
Entity / Company	65%	65%	65%