Correction, 27 October 2026: The former cooling-measures timeline has been withdrawn because it mixed incorrect historical dates and rates with unreliable current tax and lending guidance. Do not use its quick answers, tables, graphics, worked examples or FAQs to calculate a purchase or sale.
Which figures should no longer be used?
The former table described BSD as capped at S$15,000 and gave a 20%, 16%, 12%, 8% SSD sequence for the July 2025 change. Those figures are incorrect. The worked tax comparison also used unreliable BSD totals and historical ABSD rates. We have removed the unsupported policy-effect claims and forecasts as well as the conflicting summaries.
IRAS’s BSD schedule distinguishes property types and acquisition dates. Its residential SSD guidance uses acquisition-date cohorts and the applicable holding period. A single universal schedule is not a safe substitute for the actual transaction dates and exceptions.
Rebuild the purchase and exit budget separately
A purchase needs its own tax and financing assessment. A later sale needs a separate disposal-date and holding-period check. The old timeline should not be used to decide either. A statutory tax, a lender’s assessment and a household’s cash reserve answer different questions.
Use the valuation and cash-gap guide for the distinction between the loan ceiling and the actual approved loan, and our sale-to-purchase funding calendar for payment timing. If the old figures influenced an ongoing transaction, bring the option, ownership details and dates to Lin Xuan or Ade for an introduction to a property lawyer and banker.
Photograph: Singapore River at Robertson Quay, 14 August 2022, Wzhkevin, CC BY-SA 4.0. Source: commons.wikimedia.org/wiki/File:Singapore_River_at_Robertson_Quay_-_2022-08-14.jpg. Licence: creativecommons.org/licenses/by-sa/4.0/. Resized for web and displayed cropped. Neighbourhood context, not an assessed property.
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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.
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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.