Oct 27, 2026 • Singapore • Nationwide
HDB owners who pay their loan with CPF savings must be covered by the Home Protection Scheme, and owners whose HDB loan started on or after 1 Sep 1994 must buy HDB fire insurance. Neither pays for furniture or renovations.
Oct 27, 2026 • Singapore • Nationwide
HDB publishes resale prices back to January 2017 and updates them daily, while URA's private transaction data comes from caveats and developer sales. Here is how to use both, and the price indices, before you set or accept a price.
Oct 27, 2026 • Singapore • Nationwide
HDB owners can buy private property only after their minimum occupation period. A citizen couple who sell first pay no ABSD; if they buy first, they pay 20% upfront and get it back only if the flat is sold within six months.
Oct 27, 2026 • Singapore • Nationwide
HDB's Lease Buyback Scheme lets owners aged 65 and above sell the tail end of their flat's lease to HDB and keep living in it. The proceeds first top up their CPF Retirement Accounts, and 3-room and smaller flats can earn a cash bonus of up to S$30,000.
Oct 27, 2026 • Singapore • Nationwide
Plus and Prime HDB flats come with bigger subsidies but a 10-year MOP, no whole-flat renting and a share of the resale price paid back to HDB: 8% for June 2026's Plus projects and 10% to 14% for its Prime projects. HDB confirms each project's label at launch.
Oct 27, 2026 • Singapore • Nationwide
Only Singapore Citizen owners of Standard or older HDB flats can rent out the whole flat, and only after the five-year MOP. Spare bedrooms in three-room and larger flats can be rented out from the start with HDB approval, for at least six months at a time.
Oct 27, 2026 • Singapore • Nationwide
IRAS taxes the net rent from a Singapore home: gross rent minus either a flat 15% of the rent plus mortgage interest, or actual expenses backed by five years of records. Initial repairs and renovation are not deductible, but since YA 2022 the costs of finding a tenant, including the first, can be.
Oct 27, 2026 • Singapore • Nationwide
IRAS charges lease duty of 0.4% on the total rent for leases of up to four years, due within 14 days of signing in Singapore. The tenant is liable unless the agreement says otherwise, and room rentals, sub-leases and renewals are stamped too.
Oct 27, 2026 • Singapore • Nationwide
HDB requires flat owners to use a contractor from its Directory of Renovation Contractors for all renovation work, including jobs that need no permit. Noisy works are limited to 9am to 5pm on weekdays, and breaches can lead to a fine of up to S$5,000 on conviction.
Oct 27, 2026 • Singapore • Nationwide
EC sites with tenders closing from 8 May 2026 carry a 10-year MOP, no Deferred Payment Scheme and 90% of units for first-timers. Sites with tenders closing from 24 Aug 2026 take households earning up to S$18,000 a month.
Oct 27, 2026 • Singapore • Nationwide
Singapore's home loan limits in 2026 rest on four rules: a 55% TDSR cap, a 30% MSR for HDB flats and new ECs, a 75% LTV ceiling and a 4% stress-test rate. Here is how they combine for a household earning S$12,000 a month.
Oct 27, 2026 • Singapore • Nationwide
Foreigners can buy private condominium units in Singapore without government approval, but most pay 60% Additional Buyer's Stamp Duty. Landed homes need SLA approval, and HDB flats and new ECs are closed to them.
Oct 27, 2026 • Singapore • Nationwide
Singapore's Housing Developers Rules set a booking fee of at least 5% and a three-week option period for new launch condos, with later payments tied to construction and paid into a project account. Here is the sequence and what it costs to walk away.
Oct 27, 2026 • Singapore • Nationwide
Singapore buyers can use CPF Ordinary Account savings up to the lower of a home's price or valuation, provided the lease covers the youngest buyer to age 95. When the home is sold, the CPF used plus accrued interest is refunded to the owners' CPF accounts.
Oct 27, 2026 • Singapore • Nationwide
Resale deals outnumbered developer sales in Singapore's private market in the second quarter of 2026. The standard option to purchase runs for two weeks unless the parties agree otherwise, and buyer's stamp duty is due within 14 days of exercising it.
Oct 27, 2026 • Singapore • Nationwide
Singapore resale flat buyers need a valid HFE letter before a seller can grant them an option to purchase, which costs S$1 to S$1,000 and runs for 21 calendar days. HDB says completion usually takes place about eight weeks after it accepts the resale application.
Oct 27, 2026 • Singapore • Nationwide
Parliament debated changes on 8 Sep 2026 that cut the en bloc consent threshold to 70% for Singapore developments aged 40 to 59 and to 65% from age 60. The rules start on a date still to be gazetted and also make a sale harder to start.
Oct 27, 2026 • Singapore • Nationwide
Residential property in Singapore bought on or after 4 Jul 2025 attracts Seller's Stamp Duty of 16% to 4% if sold within four years, according to IRAS. Here is how the clock is counted and what it costs.
Oct 27, 2026 • Singapore • Nationwide
HDB selected more than 18,000 flats for its Home Improvement Programme in May 2026. Citizen households pay nothing for essential repairs and 5% to 12.5% for optional upgrades, but HIP goes ahead only if at least 75% of eligible citizen households vote yes.
Oct 27, 2026 • Singapore • Nationwide
Singapore does not tax capital gains, but IRAS can treat the gain on a property sale as income when the facts point to trading. Here are the factors it weighs, what a 2018 High Court case turned on, and how Seller's Stamp Duty differs.
Oct 27, 2026 • Singapore • Nationwide
Since 27 Jul 2026, private property owners in Singapore can buy a non-subsidised HDB resale flat without waiting 15 months, if they do not take an HDB loan. They must sell their private home within six months of completing the flat purchase, and IRAS remits the ABSD when a buyer is a citizen.
Oct 27, 2026 • Singapore • Nationwide
How co-owners hold a Singapore home decides who gets an owner's share when they die. Joint tenants take it automatically, outside probate; a tenant-in-common's share goes through the estate, by will or under intestacy law.
Oct 27, 2026 • Singapore • Nationwide
Second-timers buying a subsidised flat from HDB pay a resale levy set by the type of their first subsidised flat: S$15,000 to S$55,000 for families. It comes out of the first flat's sale proceeds or cash, never a housing loan, and a resale flat carries none.
Oct 27, 2026 • Singapore • Nationwide
New BTO flats and new private homes in Singapore come with a one-year defects liability period, in which HDB's contractor or the developer must fix the defects owners report. After that, HDB's warranties cover ceiling leaks and external seepage for five years and spalling concrete for ten.
Oct 27, 2026 • Singapore • Nationwide
Landlords and tenants in Singapore can take disputes over deposits, rent or damage on residential leases of up to two years to the Small Claims Tribunals, for claims of up to S$20,000 and without lawyers. A 2026 decision shows why move-in records matter.
Oct 27, 2026 • Singapore • Nationwide
What you can build on a landed plot in Singapore depends on URA's landed housing area plan, envelope control, plot size and, for bungalows, site coverage. Some works need no planning permission, while additions of more than half the floor area count as a rebuild.
Oct 27, 2026 • Singapore • Nationwide
Singapore's Master Plan 2025, gazetted on 1 Dec 2025, shows the permissible land use and density for developments. On residential sites, plot ratio guides height, and URA's proposed changes of 23 Oct 2026 are open to objection until 6 Nov.
Oct 27, 2026 • Singapore • Nationwide
URA requires every occupant of a rented private home in Singapore to stay at least three consecutive months and caps unrelated occupants at six. Homes of 90 sqm or more can house eight until 31 Dec 2028 once registered.
Oct 23, 2026 • Singapore • Nationwide
The Proximity Housing Grant pays families up to S$30,000 to buy a resale flat with or near their parents or children. First-timers can add the CPF Housing Grant of up to S$80,000 and the Enhanced CPF Housing Grant of up to S$120,000.
Oct 20, 2026 • Singapore
IRAS's ABSD rates for homes bought on or after 27 Apr 2023: Singapore Citizens pay 0%, 20% and 30%, PRs 5%, 30% and 35%, foreigners 60%, and entities and trustees 65%, on top of BSD of up to 6%.
Oct 20, 2026 • Singapore • Nationwide
Three-month compounded SORA has risen at every month-end since April 2026 and was 1.25% on 19 October, while the HDB loan rate stays at 2.6% until December. Here is how SORA reaches a floating-rate instalment and what to compare before repricing.
Oct 17, 2026 • Singapore • Nationwide
In a Singapore condo, your share value sets your maintenance and sinking fund charges and the weight of your vote. Since 1 Oct 2026, MCSTs can budget for social activities and legal services, and BCA has proposed minimum sinking funds for essential facilities such as lifts.
Oct 16, 2026 • Singapore • Nationwide
Singapore had 36,816 registered property agents at the start of 2026, and none may handle your option fee or deposit. From 1 January 2027, agents must complete at least three transactions in each three-year cycle, or pass a refresher exam, to renew.
Oct 13, 2026 • Singapore • Nationwide
Singapore charges property tax each year on a home's annual value, an estimate of its yearly rent, at 0% to 32% for owner-occupied homes and 12% to 36% for the rest. Owner-occupiers received a one-off rebate in 2026 of 15% for HDB flats and 10%, capped at S$500, for private homes.
Oct 13, 2026 • Singapore • Nationwide
Singapore raised the HDB income ceiling for families from S$14,000 to S$16,000, and for singles aged 35 and above from S$7,000 to S$8,000, for HFE letter applications from 24 Aug 2026. The November 2026 BTO exercise is the first BTO launch since the change.
Sep 23, 2026 • Singapore • Nationwide
Singapore's private residential market is not moving as one market. In the first quarter of 2026, demand concentrated in the Outside Central Region while the Core Central Region lagged, and a wave of HDB flats reaching their minimum occupation period is set to reshape buyer flows.
Sep 14, 2026 • Singapore • Nationwide
Singapore’s Additional Buyer’s Stamp Duty stack from 27 April 2023 remains the cost gate for foreign and multiple-property buyers in 2026. With URA private prices only mildly up in Q2, the duty stack still matters more than short-term index noise.
Aug 24, 2026 • Singapore • Central
If there is one number that best explains Singapore's property backdrop in 2026, it is not a price index. It is supply. The government said the 2H2026 Government Land Sales programme will keep private housing supply high…