When buying property in Singapore, two key regulations govern how much you can borrow: the Total Debt Servicing Ratio (TDSR) and the Loan-to-Value (LTV) limit. These frameworks, set by the Monetary Authority of Singapore (MAS), ensure prudent borrowing and help buyers...
What is Stamp Duty? Before we delve into the specifics of buyer stamp duty and additional buyer stamp duty in Singapore, it’s crucial to grasp the basic concept of Stamp Duty. Stamp Duty is a tax imposed on documents linked to the acquisition or leasing of...
By now, you should have heard about the cooling measures announced close to midnight yesterday, a move to prevent any rush of option issuance at the eleventh hour. The first time we witnessed a release at this timing! How this is going to impact you? We did a very...
There has been a lot of discussion going around cooling measures in the Singapore property market and therefore we thought about adding our point of view to the discussions.Before we begin our discussion on cooling measures there are three important questions that we...
Cooling measures (ABSD, TDSR & LTV) are here to stay for now, and decoupling is one of the methods for couples (or multiple owners) to reduce ABSD payable when buying their 2nd property. By decoupling, one party will take over the full ownership of the existing...
