Question 1

What is the current ABSD rate for a Singapore Citizen buying a second residential property?

Accepted Answer

Since the cooling measures implemented on 27 April 2023, Singapore Citizens buying their second residential property are subject to an Additional Buyer's Stamp Duty of 20%. For the third and subsequent properties, the rate is 30%. Estimate your total acquisition costs on my Stamp Duty Calculator.

Question 2

Can I use my CPF to pay for the stamp duty of a new launch condo?

Accepted Answer

Yes, CPF Ordinary Account savings can generally be used for both BSD and ABSD. For new launch properties under construction, stamp duty can typically be paid through your lawyer using CPF. For resale properties, buyers usually pay stamp duty in cash first before applying for CPF reimbursement.

Question 3

How does the Progressive Payment Scheme work for buildings under construction?

Accepted Answer

The Progressive Payment Scheme allows buyers to pay in stages according to construction milestones, such as foundation, concrete framework and brickwork. This can keep initial monthly payments lower compared with a fully completed property. See which projects are in early stages in my 2026 Pipeline Report.

Question 4

What is the Seller's Stamp Duty for residential property bought in 2026?

Accepted Answer

For residential properties acquired on or after 4 July 2025, the Seller's Stamp Duty holding period is 4 years. The rates are 16% for the first year, 12% for the second year, 8% for the third year and 4% for the fourth year.

Question 5

What are the main factors affecting HDB resale valuation?

Accepted Answer

Key factors include remaining lease, location, floor level, unit condition, nearby amenities, transport connectivity, recent comparable transactions and broader market demand.

Question 6

Should I sell my current home first or buy a new one first?

Accepted Answer

Selling first can help avoid upfront ABSD and may preserve your maximum Loan-to-Value limit for the next purchase. Buying first may give you more control over your next home selection, but it can create higher cash requirements and financing constraints. Contact William for a personalised timeline assessment.

Question 7

What is the difference between B1 and B2 industrial zoning?

Accepted Answer

B1 zoning is generally for clean and light industries with lower nuisance impact. B2 zoning is for general industries that may require a larger nuisance buffer, such as workshops, manufacturing or heavier industrial uses.

Question 8

Are foreigners eligible to buy commercial or industrial properties without paying ABSD?

Accepted Answer

Pure commercial and industrial properties in Singapore are generally not subject to ABSD, which can make them attractive alternatives for certain investors. However, buyers should still assess GST, financing, usage restrictions, lease tenure, rental demand and exit strategy.

Question 9

What is a good rental yield for Singapore property?

Accepted Answer

A good rental yield depends on the property type, location, tenure, financing cost and investor objective. Instead of looking only at gross yield, investors should review net yield after maintenance fees, property tax, vacancy risk, interest cost and other holding expenses.

Question 10

How should I compare two property investment options?

Accepted Answer

Compare the options using affordability, entry price, rental yield, holding cost, future supply, exit demand, location fundamentals, lease tenure and risk profile. The better property is not always the cheapest one — it is the one that fits your strategy and financial position.

Singapore Property Insights

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