Correction, 20 October 2026: The previous bridging-loan article wrongly described borrowing as a way to avoid ABSD, made unsupported universal claims about bank terms and said CPF could not service a bridge. Its old body and graphics have been withdrawn.
Borrowing does not determine the tax result
A bridge is a funding arrangement. It does not by itself change the buyer’s property count, the relevant acquisition or disposal dates, or eligibility for ABSD relief. Do not use the old comparison of bridging interest against an assumed tax saving to choose a purchase sequence.
The CPF statement was too broad
CPF Board’s guidance says an approved bridging arrangement may be considered, with total CPF withdrawals and all loans capped at the lower purchase price or valuation. It also explains that refunded CPF can pay off the bridge after the legal documentation and any outstanding cash amount are settled. The previous categorical statement that CPF can never be used was wrong.
The old rates, loan percentages, universal approval requirements, automatic-conversion scenario and claims that a bridge is almost always cheaper should not be relied on. The lender’s actual offer and repayment conditions matter.
Continue with our updated bridging-loan cash-calendar guide and sell-first versus buy-first guide. Request a banker introduction for an actual funding assessment and a property-lawyer introduction for the transaction’s legal and tax questions.
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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.