Demo with a sample agent. The agent below is made up. On a real agent’s website the card carries their own photo, name, agency and contact details.
Alex Tan (sample agent)
Sample Realty · Reg. no. R000000A (sample)
These do not change any number. They are added to the message your agent receives.
| Part of the price | Rate | Amount in band | BSD |
|---|
Bank loans only. The HDB concessionary loan has its own interest rate, income ceiling and rules, so confirm those with HDB.
Bought before 11 Mar 2017? Different rates apply, so ask your lawyer. HDB flats also have a minimum occupation period before they can be sold, so check with HDB.
Rates entered Nov 2026. Rules change, so always confirm with IRAS, MAS and your lawyer or bank before you decide.
BSD (residential): 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$1,500,000, 6% above S$3,000,000.
ABSD: Singapore citizen 0% / 20% / 30% for the 1st / 2nd / 3rd or later property. Permanent resident 5% / 30% / 35%. Foreigner 60%. Company or other entity 65%. With a co-buyer, the higher of the two buyers’ rates is used. BSD and ABSD are charged on the price or the valuation, whichever is higher. Remissions and refunds are not modelled.
SSD: bought on or after 4 Jul 2025: 16%, 12%, 8% and 4% if sold within 1, 2, 3 and 4 years, none after 4 years. Bought 11 Mar 2017 to 3 Jul 2025: 12%, 8% and 4% within 1, 2 and 3 years, none after 3 years.
Loan rules: TDSR 55% of gross monthly income; MSR 30% for HDB flats and executive condos; repayments tested at the higher of 4% and your rate; 70% of variable income counted.
Loan-to-value (bank loans, MAS): with no other housing loan, up to 75% of the price or valuation (whichever is lower) with at least 5% in cash. With one other loan, 45% and 25% cash. With two or more, 35% and 25% cash. The lower limits (55%, 25% and 15%, with 10%, 25% and 25% cash) apply if the tenure is over 30 years (25 for an HDB flat) or the loan runs past age 65 (the average age of the borrowers, weighted by income). Maximum tenure is 30 years for an HDB flat and 35 years for other homes. Banks also apply their own limits.
On an agent’s own site, the buyer or seller can send their numbers straight to the agent. The agent receives the visitor’s details with the calculation, so the first conversation starts with real figures.
Use the “Preview Send to my agent” button at the top of the page to see what the agent would receive. Nothing is sent from this demo.
BSD and ABSD are worked out from the purchase price using the bands and rates shown under “Rates used”. The monthly repayment uses the standard loan formula. Your TDSR is your other monthly debts plus the new repayment, divided by your gross monthly income, with the repayment tested at the higher of 4% and your own rate. The highest loan is the smallest of what TDSR, MSR and the loan-to-value limit allow. When you sell, the cash you keep is the sale price less seller’s stamp duty, commission, fees, the loan and the CPF refund.
Good to know: this is a planning aid. Valuations, CPF statements, bank policies and individual circumstances change the real figures. Confirm with IRAS, MAS, your bank and your lawyer.
Want this on your own website, with your own prices and your own branding? Tell us a little about your business and which one you would like us to start with. We will reply by email.
Thank you. We have your enquiry and will reply by email.
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Estimates only. Results are indicative estimates based on the numbers you enter and the rates shown under “Rates used”. They are not legal, tax or financial advice, and are not an offer or a loan assessment. Rules, valuations and bank policies change, so confirm with IRAS, MAS, your bank and your lawyer. The tool is provided as is, without any warranty.
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