Total Debt Service Ratio (TDSR)

A lot of property buyers are still clueless about what Total Debt Service Ratio (TDSR) actually is and are totally unaware of its impact on their next property purchase. Whether it is buying an upcoming Singapore new launch condo, or a resale condo,  the TDSR is important for potential property buyers as it determines the size and type of property that the buyers can consider. With the introduction of TDSR, more likely there will be a trend shift and buyers might want to focus their attention on smaller units as they are more affordable.

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For the past few years, the Singapore government has been implementing several property cooling measures to stabilise property prices in Singapore and avert property bubble from forming in our homeland. For investors or home buyers who are interested to purchase any Singapore New Launch Condo or Singapore property,  it will be important to know the cooling measures well before making any purchase.

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Before making a purchase of any residential property in Singapore, it is vital to be aware of the taxes that one is subjected to before making a major financial commitment. Below are some essential property taxes that a home buyer should take note of.

• Buyer’s Stamp Duty (BSD) is a tax imposed on documents signed during the acquisition or purchase of immovable properties in Singapore. The responsibility for paying BSD lies with the buyer or transferee. It’s important to note that BSD is applicable for any acquisition of immovable property or land in Singapore, irrespective of whether it is a private property or an HDB flat.

Buyer's Stamp Duty (BSD)

*Note: As of 14th of Feb 2023, the Buyer’s Stamp Duty will range from approximately 3% to 6% of the purchased or valued price of the property.

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Stamp Duty

Stamp duty is a tax levied on the legal recognition of certain documents and in Singapore, any documents that are related to immovable properties, stocks or shares are taxable.

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