Correction, 23 October 2026: We have withdrawn this page’s earlier 99-to-1 instructions, examples, FAQ and diagram. They wrongly described joint-purchase ABSD as applying only to a 1% share and gave unsupported assurances about arrangements being legitimate or outside IRAS’s audit scope. Do not rely on that guidance for a purchase or ownership transfer.
IRAS’s ABSD guidance explains that, for a joint purchase by buyers with different profiles, the highest applicable ABSD rate applies to the property’s full purchase price or market value, whichever is higher, subject to applicable relief or remission. A small ownership percentage does not limit that joint-purchase calculation to the small share.
The former claims about audit selection, appeal success and an automatic safe route based on timing or a stated personal purpose have also been removed. A particular arrangement needs its own assessment. Gather the contracts, ownership history, payments and financing records before acting on any proposed tax outcome.
For the distinction between holding structures and the title record, use our joint ownership guide. That distinction does not itself establish a stamp-duty exemption. Lin Xuan or Ade can introduce property lawyers for advice on the transaction.
Singapore River at Robertson Quay, photographed 14 August 2022. Photo: Wzhkevin, Wikimedia Commons. CC BY-SA 4.0. Resized for web. Neighbourhood context, not a valuation. Source: https://commons.wikimedia.org/wiki/File:Singapore_River_at_Robertson_Quay_-_2022-08-14.jpg. Licence: https://creativecommons.org/licenses/by-sa/4.0/.
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