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The primary service of which we provide is to help their clients with the complicated process of buying.

1. Buying a property or a residence is a big dream?
2. You have confusion about how to invest in property?
3. Which one is the right property?
4. What things should be done while buying a property?

To clear these kinds of confusions, we are here to guide you to choose the right property in Singapore. We not only serve local people in Singapore, but also foreigners from different countries. We had a greater experience in serving many foreign buyers in Singapore. If you need free consultation, please contact us @ +65 69028874.

Choosing Right Property

Whenever you want to buy a property, the first point which comes to your mind is which property is right to invest for my budget? For this question, we will guide you according to your budget or any requirements which you need. Foreigners can only buy condos, but not landed houses and an executive condominium.

Before investing in a property, double-check how much you can comfortably afford. Our team can estimate your maximum home loan amount and the property purchase price you can afford based on income, age and existing loan commitments.

Also, consider how long you intend to hold on to the property as the Inland Revenue Authority of Singapore (IRAS) levies a 4-12% Sellers Stamp Duty(SSD) to those who sell their property within the first three years of purchase.

Guiding about Stamp Duty

There are Stamp Duties investors should pay when buying a residential property or any landed property. In this case you need proper guidance about which Stamp Duty is needed to pay for which property. Foreigners can expect to shell out money for the Buyer’s Stamp Duty, which is tax paid on documents signed when you buy or acquire property in Singapore, regardless of nationality. On top of that, ABSD will need to be paid if you are already the owner of an existing property and wish to buy another, or if you are not a Singapore citizen.

Buyer ABSD rate
Singapore Citizen buying first residential property NA
Singapore Citizen buying second residential property 12%
Singapore Citizen buying third and subsequent residential property 15%
Singapore PR buying first residential property 5%
Singapore PR buying second and subsequent residential property 15%
Foreigners buying any residential property 20%

Bank Loans

Foreign persons may approach any bank in Singapore for a home loan, but the amount they can borrow varies depending on the number of outstanding housing loans he/she has. We will suggest the best bank and guide you in the right way.

The amount of money you can borrow from the bank is capped by (amongst other things) the TDSR, which dictates that your total monthly repayments of your home loan and any other loans (including credit card debt) must not make up more than 60% of your income. Thus, it is a good idea to avoid getting into credit card debt or taking out hefty loans like car loans just before you are about to apply for a home loan.

The LTV limit determines the maximum amount an individual can borrow from a financial institution (FI) for a housing loan. The LTV refers to the loan amount as a percentage of the property’s value.

For a bank loan, the maximum LTV ratio is capped at 75% LTV for the first loan (i.e. if you have no outstanding home loans). Of the remaining 25%, 5% must be paid in cash. The remaining 20% can be paid using a combination of cash or your CPF-OA savings. By this way we can guide foreigners about the bank loan process.

Arranging Local Property Lawyer

 When buying property in Singapore, it’s important to hire a qualified lawyer from your bank’s panel list. He or she will assist with contracts, perform searches to confirm details of the property and its ownership and make sure the property won’t imminently be affected by any major infrastructure projects. 

The lawyer will also be responsible for due diligence checks on the seller (for resale condos) and liaise directly with the developer’s solicitor to ensure everything’s above board. We also guide you in choosing the right local lawyer.

Securing The Property

To secure your dream condo, you will have to sign the OTP. But before you do so, make sure you have your bank’s In-Principle Approval (IPA), which is essentially their promise to extend you the home loan you need for your property purchase. An IPA is typically valid for up to two weeks. 

When you have the IPA, you know exactly how much the bank has pledged to lend you and can be confident that you have sufficient funds when signing the OTP. Signing without the IPA can prove to be a costly mistake in the event that the bank doesn’t extend the full amount you need, leaving you unable to meet the schedule of payments for your home and ultimately losing your option fee.

The option fee is a sum of money, typically 1-5 percent of the purchase price, that a buyer pays the seller based on an Option to Purchase. The sum is to “reserve” the property for an agreed period of time while the buyer considers the possible purchase. If the buyer doesn’t exercise this option to purchase within the given time period for whatever reason (failure to get a bank loan, change of heart, etc), he or she will forfeit this option fee. 

Guiding About Property Tax

Property is a great asset to have in Singapore, but you will have to share some of your wealth with the state. Property is taxed differently depending on whether you are an owner-occupier (ie. you are living in the property being taxed) or not. Some expats may not know about taxes after investing in property. property tax is charged on the ANNUAL value of your property. If you’re not sure what the annual value of yours is, we are here to guide how to calculate.


Owner-occupied residential properties are condominiums or other residential properties where the owner lives in the property.

Annual value ($) Tax structure Owner-occupier tax rate Property tax payable
Up to $55,000 First $8,000 0% $0
Next $47,000 4% $1,880
$55,000 to $70,000 First $55,000 See above $1,880
Next $15,000 6% $900
$70,000 to $85,000 First $70,000 See above $2,780
Next $15,000 8% $1,200
$85,000 to $100,000 First $85,000 See above $3,980
Next $15,000 10% $1,500
$100,000 to $115,000 First $100,000 See above $5,480
Next $15,000 12% $1,800
$115,000 to $130,000 First $115,000 See above $7,280
Next $15,000 14% $2,100
Above $130,000 First $130,000 See above $9,380
Above $130,000 16%


Non-owner occupied residential properties are condominiums or other residential properties that the owner does not live in (“occupy”). Hence, owner-occupier tax rates do not apply.

Annual value ($) Tax structure Non-owner-occupier tax rate Property tax payable
Up to $45,000 First $30,000 10% $3,000
Next $15,000 12% $1,800
$45,000 to $60,000 First $45,000 See above $4,800
Next $15,000 14% $2,100
$60,000 to $75,000 First $60,000 See above $6,900
Next $15,000 16% $2,400
$75,000 to $90,000 First $75,000 See above $9,300
Next $15,000 18% $2,700
Above $90,000 First $90,000 See above $12,000
Above $90,000 20%

Non-residential properties:

Non-residential properties such as commercial and industrial buildings and land are taxed at 10% of the Annual Value. Owner-occupier tax rates do not apply to non-residential properties even if you have bought the properties for your own use/occupation.

There are many more steps to be taken when you need to buy property in Singapore. We are here to guide you to follow proper procedure while buying property. If you want to invest in Singapore properties, please contact +6569028874 for more information and services.


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