Singapore property rules

Announced 19 Feb 2018 (Budget 2018), applies to residential property acquired on or after 20 Feb 2018. Transition: old rates still applied if the Option to Purchase was granted by 19 Feb 2018 and exercised by 12 Mar 2018 (or within the option validity period, whichever came first), per the MOF release. Bands also on the IRAS BSD page ('From 20 Feb 2018 to 14 Feb 2023').

The 1/2/3 bands are verified: IRAS BSD page, table headed 'Before 20 Feb 2018', and the 7 Dec 2011 MAS/MOF release (existing rates remain 1%, 2%, 3%). The START date is NOT pinned on a primary page I could load. The 2003-01-01 date comes only from a data.gov.sg (IRAS) dataset called 'Duty Rates for Buyer's Stamp Duty' that a search summary said covers 2003 onwards; the dataset page itself would not load. The brief's guess that BSD began in 2006 was not confirmed either. Treat 2003-01-01 as the earliest date we can show, not as the true start of the rule. Applies to purchases on or after the date. The same bands applied to residential and non-residential property until 19 Feb 2018.

Bands verified on the IRAS BSD page ('Before 20 Feb 2018' for all property; 'From 20 Feb 2018 to 14 Feb 2023' shows non-residential at 1%, 2%, 3% with 3% on the remainder) and the MOF Budget 2018 release (non-residential rates unchanged). Two periods are merged because the rates did not change on 20 Feb 2018; only the residential rates did. START date 2003-01-01 is not pinned on a primary page I could load (see the note on the first bsd.residential row).

MOF release 8 May 2022: ABSD (Trust) at 35% from 9 May 2022 on residential property transferred into any living trust, even with no identifiable beneficial owner at the time. IRAS table 'ABSD rates from 9 May 2022 to 26 Apr 2023' agrees (trustee 35%, same as entities). Trustee excludes trustees of collective investment schemes, business-trust trustee-managers and trustees for housing developers; trusts for housing developers are charged the developer rate (40%: 5% non-remittable plus 35% remittable). Refund: where the property is held for identifiable individual beneficiaries only and other conditions are met, IRAS refunds the difference between the trust rate and the highest ABSD rate that fits the beneficial owners, if applied for within six months of the instrument date. Renunciation of a beneficiary's interest (IRAS Section 22C) and the Additional Conveyance Duties for trusts apply from 10 May 2022, one day after this date. Before 9 May 2022 IRAS lists no separate trust rate.

Joint release 15 Dec 2021, effective 16 Dec 2021 (applies when the Option to Purchase is granted on or after 16 Dec 2021; options granted by 15 Dec 2021 and exercised by 5 Jan 2022 kept the old rates). IRAS table 'ABSD Rates from 16 Dec 2021 to 26 Apr 2023' agrees. IRAS says developers pay 35% (remittable upfront if conditions are met) plus 5% non-remittable, 40% in total; the 5% is payable upfront on purchase. No trust-specific rate yet.

MAS/MND/MOF release 6 Jul 2018, effective 6 Jul 2018: all other individuals up 5 pp, entities up 10 pp, and an extra 5% ABSD that cannot be remitted for developers buying residential property for housing development. IRAS table 'ABSD rates from 6 Jul 2018 to 15 Dec 2021' gives the same numbers (housing developers 25% plus an additional 5% non-remittable). Developer total 30 = 25 remittable + 5 non-remittable.

IRAS table 'ABSD rates from 12 Jan 2013 to 5 Jul 2018'. MAS joint release 11 Jan 2013 (https://www.mas.gov.sg/news/media-releases/2013/additional-measures-to-ensure-a-stable-and-sustainable-property-market) gives effective date 12 Jan 2013 and says rates rose by five to seven pp and ABSD was newly imposed on PRs buying a first home and citizens buying a second; the rate table sits in the release Annex I, which did not load, so the numbers come from IRAS. Developers: IRAS lists housing developers at 15%, no non-remittable part.

Joint MOF/MND release 7 Dec 2011, effective 8 Dec 2011, based on the date the option is exercised or the agreement for transfer is executed, whichever is earlier. Transition: options granted on or before 7 Dec 2011 and exercised by 28 Dec 2011 were not charged. The release gives relief for qualifying developers. Developer values are the entity rate, all remittable: IRAS says developers are charged as entities, and the 5% non-remittable developer part only began on 6 Jul 2018 (MAS 2018 release). IRAS developer remission page confirms remission for sites acquired on or after 8 Dec 2011. HDB flat purchases were not charged ABSD at the time. No trust-specific ABSD rate is listed by IRAS before 9 May 2022.

Applies to residential land acquired between 6 Mar 2025 and 28 Jul 2026 inclusive. Four categories: (1) en bloc redevelopment yielding at least 700 units and at least 1.5 times the old unit count, (2) complex technical or infrastructure requirements, (3) URA Strategic Development Incentive projects, (4) productivity-focused projects. Large and mega en bloc sites had no separate treatment in this period, so large_site_1a and mega_site_1b carry the Category 1 values (Category 1 alone = complex_one_category; Category 1 plus another category = complex_two_plus_categories). A separate 6-month extension for projects that go through CORENET X (first submission 18 Dec 2023 to 30 Sep 2026 for GFA of 30,000 sqm or more, to 30 Sep 2027 for smaller projects) cannot be added to the complex-project extensions; not coded.

The 2 / 5 / 5 limits are the base conditions stated on the current IRAS page, and the IRAS extension table (6 Mar 2025 plus 6 months gives 2.5 / 5.5 / 5.5) confirms the base just before March 2025. The IRAS page says the remission applies to sites acquired on or after 8 Dec 2011. Whether the limits were the same all the way back to 2011 was not checked against the original Stamp Duties (Housing Developers) (Remission of ABSD) Rules, so the whole period is marked unverified. The ABSD rate that was remittable also differs by period (see absd.residential developer_remittable_part). From 16 Feb 2024 IRAS lowered the clawback for developers that sold at least 90% of units by the deadline, to between 15 and 25 pp on the 25% band (land bought 6 Jul 2018 to 15 Dec 2021) and between 25 and 35 pp on the 35% band depending on the share sold; not coded. Sites for 4 units or fewer have a separate remission, not coded.

Joint release 10 Mar 2017, effective 11 Mar 2017: the new rates apply to all residential property purchased on and after 11 Mar 2017. IRAS SSD table 'Between 11 Mar 2017 and 3 Jul 2025 (all inclusive)' agrees. Homes bought before 11 Mar 2017 stay on the 2011 schedule when sold. Applies by date of PURCHASE.

Joint release 13 Jan 2011, effective 14 Jan 2011, for residential property bought on or after 14 Jan 2011. Rates 16% sold within the first year, 12% second, 8% third, 4% fourth. HDB flats excluded (5-year minimum occupation period then). IRAS SSD table 'Between 14 Jan 2011 and 10 Mar 2017 (all inclusive)' agrees. Applies by date of PURCHASE.

Joint release 30 Aug 2010, effective immediately on 30 Aug 2010 for residential property bought on or after that date: full SSD rate (1% / 2% / 3% bands) if sold in the first year, 2/3 of it in the second year, 1/3 in the third year. HDB lessees not affected. IRAS SSD table writes the two-thirds and one-third rates as 0.67% / 1.33% / 2% and 0.33% / 0.67% / 1%. Applies by date of PURCHASE ('Between 30 Aug 2010 and 13 Jan 2011 (all inclusive)').

Joint release 19 Feb 2010, effective 20 Feb 2010, for residential property and land bought on or after 20 Feb 2010 and sold within one year of purchase; HDB flats were excluded (minimum occupation period). The purchase date is the earlier of exercising the option and signing the sale and purchase agreement. Applies by date of PURCHASE. IRAS SSD table: 'Between 20 Feb 2010 and 29 Aug 2010 (all inclusive)', up to 1 year, 1% on first S$180,000, 2% on next S$180,000, 3% on remainder, more than 1 year no SSD.

IRAS page section Effective 1 Jan 2024 to 31 Dec 2024. The top rate 32% applied above S$100,000 in 2024.

IRAS page section Effective 1 Jan 2023 to 31 Dec 2023. MOF parliamentary reply (6 Feb 2024) says the rates rose in two steps, 2023 and 2024, for owner-occupied homes with annual value above S$30,000.

IRAS page section Owner Occupier Tax Rates (Effective 1 Jan 2015 to 31 Dec 2022). The 2015 annex and the data.gov.sg dataset agree.

IRAS 2014 media release annex lists the 1 Jan 2014 column (0, 4, 5, 6, 7, 9, 11, 13, 15) and the 1 Jan 2015 column. The data.gov.sg IRAS dataset agrees with the same bands.

Source is the IRAS dataset on data.gov.sg (rows from 2011-01-01). Single source. Matches the old Propwise article text of 4% rising to 6% above S$65,000.

Source is the IRAS dataset Tax Rates for Property Tax on data.gov.sg (row from 2003-01-01, rate 4). Single source. The dataset starts in 2003, so the rate before 2003 is not recorded here. IRAS note in the 2015 annex: HDB flats paid up to 4% when owner-occupied.

IRAS page section Effective 1 Jan 2023 to 31 Dec 2023.

IRAS page section Effective 1 Jan 2015 to 31 Dec 2022. The IRAS 2015 annex (Annex 1, progressive rates for residential properties) shows the same bands.

Source is the IRAS dataset on data.gov.sg (rows from 2014-01-01). Single source. The IRAS 2015 annex only shows the 2015 rates, so the 2014 non-owner-occupied rates are not on an IRAS web page that Propwise read.

Source is the IRAS dataset on data.gov.sg (row from 2003-01-01, rate 10). Single source. The dataset starts in 2003.

MAS release 28 Jun 2013; framework took effect 29 Jun 2013 (MAS Notice 645, Effective Date paragraph). MAS treats a loan above the threshold as imprudent (exceptions need board-approved policy). Refinancing and equity-withdrawal relaxations are in lending.tdsr-exemptions. Medium-term rate used in the sum is in lending.stress-rate.bank.

MAS release 2 Sep 2016; effective 1 Sep 2016 (also MAS Notice 645 Effective Date list, 'Amendment 2016 with effect from 1 September 2016'). The same owner-occupied exemption applies to the 30% MSR for HDB flats and ECs. These changes apply to existing loans only and are not a relaxation for new purchases.

MAS release 10 Feb 2014, immediate effect (Notice 645 amendment effective 10 Feb 2014). The same release also eased the MSR and loan-tenure rules for refinancing owner-occupied HDB flats and ECs bought before the dates those rules started.

MAS release 28 Jun 2013 says existing borrowers refinancing housing loans are exempted provided specific conditions in MAS Guidelines (Notices 645, 1115, 831, 128) are met. The detailed original conditions were not read line by line.

MAS Notice 645 (28 Jun 2013) paragraph 10(b): not less than 3.5% (residential) or 4.5% (non-residential), or the current market rate, whichever is higher. Applies to loans where the OTP (or SPA) is before 30 Sep 2022 (current Notice 645 table scenarios 1 to 4). The Sep 2022 release says the 2022 floors are 'up from' 3.5% and 4.5%. MSR rule: the MAS Jan 2013 annex says MSR instalments use at minimum 'a medium-term interest rate'; the 3.5% number for MSR is inferred from the TDSR notice and the 2022 release ('TDSR and MSR').

Start date is a placeholder (database start); when the practice began is not stated. The 'no floor' state is inferred from the 29 Sep 2022 release, which says HDB 'will introduce' a 3% floor and that the rate used becomes the higher of 3% or 0.1 pp above the CPF OA rate. The release does not describe the earlier method in so many words.

MAS release 12 Jan 2013, Annex III paragraph 2. Instalment is computed with at least a medium-term interest rate (see lending.stress-rate.bank). The MSR is a separate, tighter cap than TDSR. HDB's own loan MSR is in lending.msr.hdb-loan.

Annex III, paragraph 1 and Table A (MAS release 12 Jan 2013).

Start date is a placeholder (database start). Annex III of the MAS release of 12 Jan 2013 says 'Currently, HDB offers housing loans with MSR of up to 40%'; when 40% began is not stated.

MND/HDB release 27 Aug 2013, Annex C: for HDB flats (bank loans) with OTP on or after 28 Aug 2013, 80% if tenure is 25 years or less and the loan ends by age 65, 60% otherwise. Percentages for second, third and non-individual are unchanged from 12 Jan 2013 (MAS Notice 632 version 5 Jul 2018 table rows for OTP 28 Aug 2013 to 5 Jul 2018). Exception: borrowers with an HDB Letter of Invitation to select a flat from a sales exercise launched before Jul 2013 keep the 30-year HDB threshold.

MAS release 12 Jan 2013, Annex II (https://www.mas.gov.sg/-/media/MAS/resource/news_room/press_releases/2013/Annex-II.pdf). Applies when the OTP (or S&P date) is on or after 12 Jan 2013. Relief: a borrower buying an EC directly from a developer or an HDB flat is not subject to the lower second-loan LTV if they undertake to HDB to sell their sole existing property.

MAS release dated 6 Oct 2012 (Notice 632 revised 5 Oct 2012). Applies when the OTP (or S&P date) is on or after 6 Oct 2012; covers private homes and HDB flats. Release text: 40% for a borrower with one or more outstanding loans, 60% for a borrower with none; non-individual limit cut from 50% to 40%. The release does not give a separate third-loan figure; third_plus follows the second (40%). Tenure threshold of 30 years applied to HDB flats too at this date. The 65-year test is on tenure plus age at application.

Joint MND/MOF/MAS release 13 Jan 2011, effective 14 Jan 2011: LTV lowered from 70% to 60% for individuals with one or more outstanding housing loans; 50% for all purchasers that are not individuals. Matches MAS Notice 632 (5 Oct 2012 version) row 12 (50%) and the 6 Oct 2012 table.

Joint MND/MOF/MAS release 30 Aug 2010, immediate effect: LTV lowered from 80% to 70% for borrowers with one or more outstanding housing loans. Non-individual borrowers: MAS Notice 632 (5 Oct 2012 version) rows 10 and 11 give 80% (no outstanding loan) or 70% (with outstanding loan); 80% is recorded here. The release gives no separate 'second' versus 'third' loan limit, so both are 70%.

MAS release 19 Feb 2010: 'lowered from 90% to 80% for all housing loans provided by financial institutions regulated by the MAS' (private homes, ECs, HUDC and HDB flats on bank loans). Effective for OTP or S&P on or after 20 Feb 2010. HDB's own loans stayed at a 90% cap (see lending.ltv.hdb-loan).

Raised from 80% to 90% by the MAS release of 19 Jul 2005 (OTP or S&P on or after 19 Jul 2005). Rows 1 and 8 of MAS Notice 632 (version of 5 Oct 2012) give 90% for OTP dates from 19 Jul 2005 to 19 Feb 2010 for individuals and non-individuals. The release states HDB flats on bank loans had the 5% cash rule from 1 Jan 2006. No tenure-based lower limit existed. Start date 19 Jul 2005 is earlier than the 2009 database start but the version was in force through 2009.

Joint MAS/MND/HDB release of 29 Sep 2022 (also on mas.gov.sg). Loans from private financial institutions stayed at 75%.

Joint release 15 Dec 2021: 'tightened by 5%-points from 90% to 85%'. Loans from financial institutions stayed at 75%.

Start date is a placeholder (database start). The MAS releases of 19 Feb 2010 and 30 Aug 2010 say loans granted by HDB 'will still have an LTV cap of 90%'; the 15 Dec 2021 release says it was cut 'from 90% to 85%'. A change between 2010 and 2021 is not recorded on the pages read. Origin of the 90% cap is not stated.

Annex II of the MAS release of 12 Jan 2013 lists the 'existing rules' just before that date: first loan 5% (LTV 80%) or 10% (LTV 60%); second and later loans 10%. The 10% cash for the long-tenure first-loan case is placed at 6 Oct 2012 because the 5 Oct 2012 version of MAS Notice 632 pairs the new 60% scenario (tenure over 30 years or past age 65, OTP on or after 6 Oct 2012) with 10% cash; the PDF table text is garbled, so read the layout with care. The 6 Oct 2012 media release itself does not mention cash.

Joint release 30 Aug 2010: for buyers with existing housing loans 'the cash payment is increased from 5% to 10% of the valuation limit'. Immediate effect on 30 Aug 2010.

Cut from 10% to 5% by the MAS release of 19 Jul 2005. The 30 Aug 2010 release says the cash payment for borrowers with outstanding loans was raised 'from 5% to 10%', which confirms 5% until then. MAS Notice 632 (5 Oct 2012 version) rows 1 and 2 show 5% for OTPs from 19 Jul 2005 to 29 Aug 2010.

Inferred. The 6 Oct 2012 MAS release says the maximum tenure of new residential property loans 'will be capped at 35 years' and that average tenure had risen from 25 to 29 years in three years; it does not say in so many words that no cap existed before. Start date is a placeholder (database start).

MAS release 6 Oct 2012: the 35-year cap applies to both private properties and HDB flats.

Inferred, same reason as lending.max-tenure.private. The 27 Aug 2013 release says the later cut was 'from 35 years to 30 years', which fits the 6 Oct 2012 cap of 35 years applying to HDB flats ('both private properties and HDB flats'). Start date is a placeholder (database start).

Start date is a placeholder (database start). The 27 Aug 2013 release, Annex C, says 'Currently, HDB offers housing loans with a maximum loan tenure of 30 years'; when 30 years began is not stated.

CPF release of 20 Sep 2024: SMRA 4.14% for 1 Oct to 31 Dec 2024, and the 4% floor extended to 31 Dec 2025. Not in the InterestRate.pdf table, which stops at Q3 2024.

CPF release for 1 Jul to 30 Sep 2024: SMRA 4.08%, pegged rate above the floor.

CPF release for 1 Apr to 30 Jun 2024: SMRA 4.05%.

CPF release for 1 Jan to 31 Mar 2024: SMRA 4.08%. From 1 Jan 2024 the RA peg is aligned with SA and MA and reviewed quarterly instead of yearly.

CPF release of 21 Sep 2023, table for 1 Oct to 31 Dec 2023: SMA 4.04%, RA 4%. It also extends the 4% floor to 31 Dec 2024. The InterestRate.pdf table agrees.

CPF release for 1 Jul to 30 Sep 2023: SMA 4.01%, RA 4%. The InterestRate.pdf table agrees. The RA peg was yearly until 31 Dec 2023. The floor was extended to 31 Dec 2023 by the release of 21 Sep 2022.

CPF historical table (InterestRate.pdf, source group FPG Finance) shows 4.00% for SA, MA and RA in each quarter from Q1 2008 to Q2 2023; the pegged ('calculated') rate was below 4% in each of them. Note 13B: from 1 Jan 2008 SMRA interest is pegged to the 12-month average 10YSGS yield plus 1%. Before 2024 the RA earned a weighted average of fixed-coupon SSGS (note 15A) and also showed 4.00% in this span. floor_until is null here because the yearly floor extensions are not tracked before 2023.

CPF historical table note 4: from 1 Jan 2008 an extra 1% is paid on the first S$60,000 of combined balances, capped at S$20,000 for OA. Extra interest earned on OA money goes to the SA or RA.

CPF page 'What is the CPF retirement sum' (updated 20 May 2026): announced values for members turning 55 in 2027. Not yet in force on 2026-10-04; this row becomes the current version on 2027-01-01.

CPF page 'What is the CPF retirement sum' (updated 20 May 2026). The ERS was raised from 3x to 4x the BRS from 1 Jan 2025 (it would have been 319,500 at 3x), per CPF and MOF Budget 2024 Annex F-1.

MOF Budget 2022 Annex E-3: sums for 2023 to 2027.

MOF Budget 2022 Annex E-3 (hosted on isomer-user-content.by.gov.sg, a gov.sg site): sums for 2023 to 2027.

MOF Budget 2021 Annex C-2; also in MOF Budget 2022 Annex E-3 as previously announced.

MOF Budget 2021 Annex C-2 (hosted on isomer-user-content.by.gov.sg, a gov.sg site): sums for members reaching 55 in 2021 and 2022.

CPF Retirement Sums.pdf table (years 2017 to 2020).

CPF Retirement Sums.pdf table (years 2017 to 2020).

CPF Retirement Sums.pdf table (years 2017 to 2020).

CPF Retirement Sums.pdf table (years 2017 to 2020).

CPF page 'What is the CPF retirement sum' (updated 20 May 2026): announced values for members turning 55 in 2027. Not yet in force on 2026-10-04; this row becomes the current version on 2027-01-01.

CPF page 'What is the CPF retirement sum' (updated 20 May 2026). The ERS was raised from 3x to 4x the BRS from 1 Jan 2025 (it would have been 319,500 at 3x), per CPF and MOF Budget 2024 Annex F-1.

MOF Budget 2022 Annex E-3: sums for 2023 to 2027.

MOF Budget 2022 Annex E-3 (hosted on isomer-user-content.by.gov.sg, a gov.sg site): sums for 2023 to 2027.

MOF Budget 2021 Annex C-2; also in MOF Budget 2022 Annex E-3 as previously announced. FRS is 2x BRS.

MOF Budget 2021 Annex C-2 (hosted on isomer-user-content.by.gov.sg, a gov.sg site): sums for members reaching 55 in 2021 and 2022. FRS is 2x BRS.

CPF Retirement Sums.pdf table (years 2017 to 2020). FRS is 2x BRS.

CPF Retirement Sums.pdf table (years 2017 to 2020). FRS is 2x BRS.

CPF Retirement Sums.pdf table (years 2017 to 2020). FRS is 2x BRS.

CPF Retirement Sums.pdf table (years 2017 to 2020). FRS is 2x BRS.

CPF page 'What is the CPF retirement sum' (updated 20 May 2026): announced values for members turning 55 in 2027. Not yet in force on 2026-10-04; this row becomes the current version on 2027-01-01. The ERS is the most a member aged 55 and above can put in the RA; it applies to anyone 55 and above in that year, not only to the cohort.

CPF page 'What is the CPF retirement sum' (updated 20 May 2026). The ERS was raised from 3x to 4x the BRS from 1 Jan 2025 (it would have been 319,500 at 3x), per CPF and MOF Budget 2024 Annex F-1. The ERS is the most a member aged 55 and above can put in the RA; it applies to anyone 55 and above in that year, not only to the cohort.

MOF Budget 2022 Annex E-3: sums for 2023 to 2027. The ERS is the most a member aged 55 and above can put in the RA; it applies to anyone 55 and above in that year, not only to the cohort.

MOF Budget 2022 Annex E-3 (hosted on isomer-user-content.by.gov.sg, a gov.sg site): sums for 2023 to 2027. The ERS is the most a member aged 55 and above can put in the RA; it applies to anyone 55 and above in that year, not only to the cohort.

MOF Budget 2021 Annex C-2; also in MOF Budget 2022 Annex E-3 as previously announced. The ERS is the most a member aged 55 and above can put in the RA; it applies to anyone 55 and above in that year, not only to the cohort.

MOF Budget 2021 Annex C-2 (hosted on isomer-user-content.by.gov.sg, a gov.sg site): sums for members reaching 55 in 2021 and 2022. The ERS is the most a member aged 55 and above can put in the RA; it applies to anyone 55 and above in that year, not only to the cohort.

CPF Retirement Sums.pdf table (years 2017 to 2020). The ERS is the most a member aged 55 and above can put in the RA; it applies to anyone 55 and above in that year, not only to the cohort.

CPF Retirement Sums.pdf table (years 2017 to 2020). The ERS is the most a member aged 55 and above can put in the RA; it applies to anyone 55 and above in that year, not only to the cohort.

CPF Retirement Sums.pdf table (years 2017 to 2020). The ERS is the most a member aged 55 and above can put in the RA; it applies to anyone 55 and above in that year, not only to the cohort.

CPF Retirement Sums.pdf table (years 2017 to 2020). The ERS is the most a member aged 55 and above can put in the RA; it applies to anyone 55 and above in that year, not only to the cohort.

MND release dated 10 Sep 2019: ceiling raised from S$12,000 to S$14,000, implemented from 11 Sep 2019. Annex C Table C1: 2-room Flexi 99-year S$7,000; 3-room S$7,000 or S$14,000 depending on project; 4-room or bigger S$14,000. Annex C is at https://www.mnd.gov.sg/api/media/16832541-e641-4d8e-ad73-d4dd0a361aa6.

MND and HDB joint release dated 24 Aug 2015: ceiling raised from S$10,000 to S$12,000 with effect from 24 Aug 2015. Annex B1 table: 2-room S$6,000; 3-room S$6,000 or S$12,000 depending on project; 4-room or bigger S$12,000. low_ceiling_flats means the lower tier (2-room, and 3-room projects set at the lower ceiling). Annex B1 is at https://www.mnd.gov.sg/api/media/59c274e1-79bd-4bd8-8a60-8892ef652628.

MND release dated 10 Sep 2019: singles ceiling raised from S$6,000 to S$7,000, implemented from 11 Sep 2019 (Annex D Table D1).

MND release dated 24 Aug 2015: singles ceiling raised from S$5,000 to S$6,000 from 24 Aug 2015 (Annex B2: 2-room BTO or balance flat in non-mature estates, SSC and Joint Singles schemes). Singles could then buy only 2-room flats in non-mature estates. Resale ceilings for singles are in hdb.income-ceiling.resale-grant.

Value is derived. MND Annex C (10 Sep 2019) note says the extended-family ceiling is 1.5 times the generic ceiling and does not apply to ECs; generic was S$14,000, so S$21,000. Figure not printed on the page. Per-nucleus cap assumed equal to the generic ceiling; not stated for 2019.

Value is derived. MND Annex B1 (24 Aug 2015) note (a) says the extended-family ceiling is 1.5 times the generic ceiling; the generic ceiling was S$12,000, so S$18,000. The figure S$18,000 and the per-nucleus cap are not printed on the page. Per-nucleus cap is assumed equal to the generic ceiling; not stated for 2015.

MND release dated 10 Sep 2019: EC ceiling raised from S$14,000 to S$16,000, implemented from 11 Sep 2019. After 24 Aug 2026 this ceiling still applies to balance units in existing ECs and new units in ECs whose land tender was awarded before 24 Aug 2026 (see the 2026 version).

MND release dated 24 Aug 2015: EC ceiling raised from S$12,000 to S$14,000 from 24 Aug 2015. The EC ceiling has no extended-family multiple (MND Annex C, 2019).

MND release dated 10 Sep 2019, implemented from 11 Sep 2019. Annex C Table C1 (resale flat with housing grant S$14,000) and Annex D Table D1 (SSC S$7,000 for up to a 5-room resale flat; Joint Singles and single with parents S$14,000).

MND release dated 24 Aug 2015 and Annexes B1 and B2: families S$12,000; singles under the Single Singapore Citizen scheme S$6,000 (up to a 5-room resale flat); singles under the Joint Singles scheme or buying with parents S$12,000. There is no income ceiling for a resale flat bought without a grant. This ceiling also applied to the HDB loan (see hdb.income-ceiling.hdb-loan).

MND release dated 10 Sep 2019, implemented from 11 Sep 2019 (Annex C Table C1 and Annex D Table D1).

MND release dated 24 Aug 2015, Annexes B1 and B2 (concessionary loan revised to S$12,000 for families; S$6,000 for singles under SSC; S$12,000 for Joint Singles and singles with parents). The DBSS loan ceiling was a separate lower figure and is not recorded.

MND Annex C (10 Sep 2019), paragraph 3b: raised from S$12,000 to S$14,000 for the Lease Buyback Scheme, Silver Housing Bonus (right-sizing to a 2- or 3-room flat) and short-lease 2-room Flexi purchase. Implemented from 11 Sep 2019.

MND release dated 24 Aug 2015: elderly ceiling raised from S$10,000 to S$12,000 for the Lease Buyback Scheme, the Silver Housing Bonus and short-lease 2-room Flexi flats.

MND Annex C (10 Sep 2019), paragraph 3a: raised from S$6,000 to S$7,000. The Parenthood Provisional Housing Scheme (PPHS) ceiling was S$7,000 in 2024 (MND release 5 Mar 2024, footnote 6); pphs_ceiling is left null for this period because the 2019 date for PPHS is not pinned.

Introduced 11 Sep 2019 for new and resale flats, replacing the Additional CPF Housing Grant and the Special CPF Housing Grant (MND release dated 10 Sep 2019, https://www.mnd.gov.sg/newsroom/press-releases/view/more-affordable-and-accessible-homes-for-singaporeans-enhanced-cpf-housing-grant-for-first-timers-and-higher-income-ceilings-1; table is Annex A Table A1). Single bands are on the single's own income (SSC) with half-of-household-income for couples with a non-resident spouse. Two or more first-timer singles use the family bands. Pro-rated if the flat lease does not cover the youngest buyer to age 95. Flat lease must be at least 20 years. Last day 19 Aug 2024 follows the HDB statement that the revised EHG applies from 20 Aug 2024.

MND release dated 20 Feb 2017 (Budget 2017): grant raised from S$30,000 to S$50,000 for 4-room or smaller and to S$40,000 for 5-room or larger; singles from S$15,000 to S$25,000 (4-room or smaller) and S$20,000 (5-room). Applies to resale applications received on or after 3.30 pm, 20 Feb 2017. The page says 4-room or smaller; HDB now labels the band 2- to 4-room. SC/SPR and first-timer-and-second-timer amounts for this period were not stated.

PLACEHOLDER start date. The MND release of 24 Aug 2015 says the basic CPF Housing Grant is S$30,000 for family and S$15,000 for singles; when the S$30,000 level started was not pinned. The 20 Feb 2017 MND release confirms S$30,000 and S$15,000 immediately before the 2017 increase. SC/SPR and first-timer-and-second-timer amounts for this period were not found.

PHG introduced by MND and HDB with effect from 24 Aug 2015 (release dated 24 Aug 2015). It replaced the Higher-Tier CPF Housing Grant. Condition then: within 2 km or same town (stated in the 19 Feb 2018 release). Singles aged 35 and above only got the grant when living with parents.

PLACEHOLDER start date. HDB and MND release dated 5 Mar 2025 says the maximum is currently S$30,000, with a cash top-up to the RA of up to S$60,000 required, bonus pro-rated at S$1 per S$2 of top-up, and only owners of an HDB flat or a private property with Annual Value up to S$21,000 eligible. When the S$30,000 level began was not pinned (a secondary lead says the bonus rose from S$20,000 around FY2019/20). The cash top-up rule became a commitment of a net increase in the RA from 1 Dec 2025. The income ceiling for SHB is in hdb.income-ceiling.seniors-monetisation.

PLACEHOLDER start date (the year MND says ECs were introduced, 1995). MND release dated 8 May 2026 says buyers of new ECs currently fulfil a five-year MOP; the original start date of the 5-year rule was not pinned. effective_to 2026-05-07 is the day before the new rule; the trigger is the EC land sale tender closing date. Projects whose tender closed before 8 May 2026 keep the 5-year MOP (HDB conditions-after-buying-an-EC page). MOP runs from the TOP date for ECs.

PLACEHOLDER start date. MND release dated 8 May 2026 says that after the 10th year EC owners can sell to any buyer. The date this 10-year point began was not pinned. Trigger is the EC land tender closing date.

Joint MAS, MND and HDB release dated 29 Sep 2022: 15-month wait-out takes effect from 30 Sep 2022 for PPOs and ex-PPOs buying non-subsidised resale flats; exemption for Singapore citizens aged 55 and above moving from a private property to a 4-room or smaller resale flat. The release does not state a six-month disposal rule for this period, so that key is null. Before 30 Sep 2022 there was no such wait-out; not recorded as a version.