14 rules
The rules, one page each
The statutory figures every calculation on this site rests on. Each one names the body that issued it, the date it came into force where that is publicly stated, and the date a human last opened the source and checked. Statutory rates were last verified 2026-08-01.
The same records are served as JSON at /api/v1/rates and listed in llms.txt. One registry, four surfaces — they cannot drift.
Issued by MAS
- TDSR: the 55% total debt servicing ratio capWhat is the TDSR limit in Singapore?Includes a worked example.
- MSR: the 30% mortgage servicing ratio capWhat is the MSR, and when does it apply instead of TDSR?Includes a worked example.
- The 4% mortgage stress-test rateWhat interest rate do Singapore banks use to assess a home loan?Includes a worked example.
- LTV: 75% on a first housing loanHow much can I borrow for my first property in Singapore?Includes a worked example.
Issued by IRAS
- Buyer's Stamp Duty: the marginal residential scheduleHow is Buyer's Stamp Duty calculated in Singapore?Includes a worked example.
- ABSD for Singapore Citizens: 0%, 20%, 30%How much ABSD does a Singapore Citizen pay?Includes a worked example.
- ABSD for Permanent Residents: 5%, 30%, 35%How much ABSD does a Singapore PR pay?Includes a worked example.
- ABSD for foreigners: 60%, and the FTA exemptionHow much ABSD does a foreigner pay in Singapore?Includes a worked example.
- ABSD for entities and trusts: 65%How much ABSD does a company or a trust pay?Includes a worked example.
- Seller's Stamp Duty: the four-year holding windowHow long must I hold a Singapore property to avoid SSD?Includes a worked example.
- The six-month ABSD remission windowCan I get my ABSD refunded if I sell my first property?
Where the rest of it comes from
These fourteen are the figures the calculators execute. The written guides cite a great deal more — every one traceable to the body that issued it.
The full citation index, by authority