Is Buyer's Stamp Duty included in the selling price

Buyer’s Stamp Duty is not part of the property purchase price; it is a separate tax payable to IRAS on the property purchase.

However, when planning your budget for a Singapore property, you should treat Buyer’s Stamp Duty (and any Additional Buyer’s Stamp Duty, if applicable) as part of your total acquisition cost, together with:

- Purchase price stated in the Option to Purchase or Sale & Purchase Agreement
- Legal fees
- Stamp duties (Buyer’s Stamp Duty and, where applicable, Additional Buyer’s Stamp Duty)
- Other incidental costs (valuation, loan-related fees, etc.)

The bank loan and Loan-To-Value limits are based on the property price or valuation, not including Buyer’s Stamp Duty, so BSD generally cannot be financed by your housing loan. You will need to pay it separately, typically using cash or CPF (for eligible residential purchases).

If you share your target property price and buyer profile (citizen/PR/foreigner, first or second property), I can help you estimate the stamp duties and total cash/CPF needed using EdgeProp Singapore’s calculators.