Correction, 23 October 2026: We have withdrawn this page’s earlier 99-to-1 purchase guide, examples, FAQ and diagrams. It gave conflicting joint-purchase ABSD calculations, incorrectly attributed stamp-duty anti-avoidance powers to income-tax provisions, and offered unsupported assurances about safe arrangements and reassessment time limits. Do not rely on those instructions.
IRAS’s ABSD guidance states that the highest applicable rate among joint buyers with different profiles applies to the entire property’s purchase price or market value, whichever is higher, subject to applicable relief or remission. A 1% interest does not restrict that joint-purchase calculation to 1% of the value.
The removed material also contained unsupported enforcement totals, loan-qualification conclusions, HDB ownership rules and proposed future-law changes. This correction does not assess a particular arrangement, determine a penalty or give a reassessment deadline. Keep the purchase and transfer documents, payment records, financing and ownership history together for an individual assessment before committing to a change.
Our joint tenancy and tenancy-in-common guide explains the ownership distinction. Choosing a holding structure does not itself establish a stamp-duty exemption. Contact Lin Xuan or Ade for an introduction to property lawyers if you need advice on a purchase or transfer.
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/.
Need a brochure, price list or professional introduction?
Contact Lin Xuan at 82222556 or Ade at 81888871 for the full project brochure, latest available price list, a viewing, or introductions to bankers who can help you compare home-loan rates and packages to find the best available option for your needs. If you need legal advice on a property purchase, sale or tenancy, we can also put you in touch with property lawyers.
WhatsApp Lin Xuan | WhatsApp Ade. Let us know the project or property question you would like help with. Prices and availability are subject to developer confirmation, while loan terms and approval are determined by the bank.
Lin Xuan: ONG LIN XUAN, CEA registration R069812H. Ade: CHUA MUAY MUAY (ADE CHUA), CEA registration R014252F. ERA REALTY NETWORK PTE LTD, estate agent licence L3002382K.