Buyer's Stamp Duty (BSD) Results at a Glance: Quick Reference Table
Sometimes you only need a ballpark figure. This page lists buyer's stamp duty (bsd) results for a range of common inputs, so you can see the pattern at a glance.
| Inputs | Buyer's Stamp Duty | BSD as % of price |
|---|---|---|
| Purchase price or market value, whichever is higher: 1,200,000 | S$32,600.00 | 2.72% |
| Purchase price or market value, whichever is higher: 600,000 | S$12,600.00 | 2.10% |
| Purchase price or market value, whichever is higher: 900,000 | S$21,600.00 | 2.40% |
| Purchase price or market value, whichever is higher: 1,500,000 | S$44,600.00 | 2.97% |
| Purchase price or market value, whichever is higher: 1,800,000 | S$59,600.00 | 3.31% |
| Purchase price or market value, whichever is higher: 2,400,000 | S$89,600.00 | 3.73% |
How these were worked out
1% on the first S$180,000, 2% on the next S$180,000, 3% on the next S$640,000, 4% on the next S$500,000, 5% on the next S$1.5 million and 6% above S$3 million.
Property is the largest purchase most Singaporeans make, and stamp duties, loan limits and cash requirements are front-loaded. Small mistakes in these figures can mean a shortfall at completion, so it pays to run the numbers before you commit to an option to purchase.
Beyond the price, buyers should budget for legal fees, valuation, home insurance, renovation and furnishing. Running the figures in advance helps you decide how much cash to hold back and whether a smaller loan or longer tenure makes more sense.
Most Singaporeans live in HDB flats, which can be financed with an HDB concessionary loan at 0.1% above the CPF Ordinary Account rate or with a bank loan. Private property must be financed with a bank loan, and banks offer fixed, floating and SORA-pegged packages.
Singapore's property market is shaped by cooling measures introduced since 2009, including Additional Buyer's Stamp Duty, loan-to-value limits and debt servicing ratios. These rules are adjusted when the market runs hot, so the numbers you see today may differ from what friends paid a few years ago.
Tips
- HDB loans are capped at 25 years and must be fully repaid by age 65.
- Stamp duty must be paid within 14 days of signing, so have the cash ready before you exercise the option.
- Seller's Stamp Duty can wipe out the gains on a quick resale, so check your holding period before selling.
Related calculations
- Loan-to-Value (LTV) Calculator: Shows the maximum bank loan and the minimum downpayment under MAS loan-to-value limits for loans up to 30 years (25 years for HDB flats).
- Property Affordability Calculator: Estimates the biggest loan and property price your income supports under TDSR, using the stress-test rate banks apply.
- Rental Yield Calculator: Measures the return from rent before and after costs such as property tax, maintenance fees and agent fees.
- Home Loan Refinancing Calculator: Compares your current mortgage with a new rate to show the monthly saving and how long switching costs take to recover.
For your exact numbers, use the Buyer's Stamp Duty (BSD) Calculator.
Run your own numbers: Buyer's Stamp Duty (BSD) Calculator