Free Worksheet
For private residential property in Singapore · 2026 Edition
Joanne Low
CEA Reg. No. R062312E
Huttons Asia Pte Ltd
+65 9068 0046
Fill in your property value to calculate your estimated costs. Based on 99:1 ownership — only 1% is transferred.
| Item | How It's Calculated | Your Amount (S$) |
|---|---|---|
| 1% share value transferred | Property value × 1% | |
| Buyer's Stamp Duty (BSD) | 1% of 1% share value | |
| ABSD on transfer | Not applicable — same property | $0 |
| Legal fees (both parties) | Estimated ~$6,500 | |
| Property valuation | Required if mortgage — ~$500 | |
| Seller's Stamp Duty (SSD) | Only if held under 4 years (from 4 Jul 2025): 16% yr1 / 12% yr2 / 8% yr3 / 4% yr4 | |
| Total Estimated Cost | Sum of all above |
Cost of Decoupling
ABSD Saved on Next Buy
Net Saving
The remaining owner must qualify for the full loan alone. Check all boxes before engaging a lawyer.
Key rule: TDSR limits total monthly debt repayments to 55% of gross monthly income. Example: if gross income is $8,000/month, total debt repayments must not exceed $4,400/month.
| Milestone | What Happens | Target Date | Done |
|---|---|---|---|
| Week 1 | Engage separate lawyers. Spouse B gives instruction to transfer. | ||
| Weeks 1–2 | Lawyers prepare transfer documents. Bank notified if mortgage exists. | ||
| Weeks 2–6 | Bank processing. Remaining owner qualifies for full loan. Refinance if required. | ||
| Weeks 6–8 | Documents signed. Pay stamp duty within 14 days of signing. | ||
| Weeks 8–12 | Completion. Title updated. Transferring owner is now free to purchase. |
Important: Stamp duty must be paid within 14 days of signing the transfer document. Late payment incurs penalties.
Important Disclaimer
This worksheet is provided for general planning and educational purposes only. It does not constitute legal advice, financial advice, or tax advice, and must not be relied upon as such. All figures are illustrative estimates based on the scenario described. Your actual costs and eligibility will depend on your individual property value, outstanding loan, CPF usage, income, ownership structure, and bank requirements.
Stamp duty rates (BSD, ABSD, SSD), TDSR thresholds, and IRAS interpretations are subject to change by the relevant Singapore authorities. You should verify all figures and your specific situation with a licensed conveyancing lawyer and IRAS directly before taking any action.
Joanne Low (CEA Reg. No. R062312E, Huttons Asia Pte Ltd) is a licensed real estate salesperson. She is not a lawyer, financial adviser, or tax consultant. Nothing in this worksheet creates a client-agent relationship.
Information correct as at 2026 · Subject to change without notice.
Joanne Low · +65 9068 0046
wa.me/6590680046