When you buy a property in Singapore, everyone pays Buyer's Stamp Duty (BSD). But some buyers pay an extra layer on top called Additional Buyer's Stamp Duty (ABSD) — and it can be a very big number. Whether you pay it, and how much, comes down to two things: who you are and how many properties you already own. 👇
🧍 Who pays ABSD?
- Singapore Citizens: nothing on your first home. ABSD kicks in from your second property, and more on your third.
- Permanent Residents (PRs): a smaller amount even on your first property, and more after that.
- Foreigners: the highest rate — currently 60% — on any residential property.
Because the rates are high, ABSD often decides whether a second property even makes sense. Check your exact rate with the ABSD calculator.
🧾 BSD vs ABSD — what's the difference?
BSD is the basic stamp duty everyone pays, worked out on the purchase price or value. ABSD is the extra on top, based on your profile and how many homes you own. Estimate both with the BSD calculator and the ABSD calculator.
💡 Good to know
- Married couples with a Singaporean spouse may be able to claim an ABSD refund when buying a matrimonial home (conditions apply).
- Selling your existing home first can change which "count" your new purchase falls under.
- ABSD is paid on top of your downpayment and BSD — so budget for it early.
🧮 Work out your stamp duty
Don't guess — your stamp duty can run into tens of thousands of dollars. Use the ABSD calculator for your exact situation, and pair it with the BSD calculator for the full picture. Selling within a few years? Check the Seller's Stamp Duty calculator too.