Singapore offers world-class infrastructure, rock-solid rule of law and an exceptionally transparent land registry. Foreigners can buy private apartments and condominiums freely; landed houses and public HDB flats are restricted and require government approval.
The defining feature for overseas buyers is cost. On top of the price, foreigners pay a 60% Additional Buyer's Stamp Duty (ABSD), plus the standard 1–6% Buyer's Stamp Duty. Financing is well-priced at roughly 3.5–3.75%, but the Monetary Authority of Singapore caps the loan at 75% LTV, so you need at least 25% down.
Market overview
As a dense city-state, Singapore has no cheap rural alternative — values are high across the island, with prime districts like Orchard and Marina Bay at the top. Gross rental yields are modest at around 3%. The big planning numbers are the stamp duties: BSD of 1–6% for everyone, and ABSD that runs from 0% (a citizen's first home) up to 60% for foreigners.
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Mortgage rates in Singapore (June 2026)
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True cost of buying & owning
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