Question 1

What is BSD in Singapore?

Accepted Answer

Buyer's Stamp Duty (BSD) is a tax payable on the purchase or acquisition of any property in Singapore. It is calculated on the purchase price or market value, whichever is higher, using progressive rates.

Question 2

How is BSD calculated on a $1 million property?

Accepted Answer

For a $1M property: 1% on the first $180K ($1,800) + 2% on the next $180K ($3,600) + 3% on the remaining $640K ($19,200) = $24,600 total BSD.

Question 3

Who pays BSD — buyer or seller?

Accepted Answer

BSD is paid by the buyer. Sellers pay Seller's Stamp Duty (SSD) if they sell within the holding period, which is a separate tax.

Question 4

Is BSD the same as stamp duty?

Accepted Answer

BSD is one type of stamp duty in Singapore. Other types include Additional Buyer's Stamp Duty (ABSD) and Seller's Stamp Duty (SSD). BSD applies to all property purchases.

Question 5

Can BSD be paid using CPF?

Accepted Answer

Yes, BSD can be paid using CPF Ordinary Account savings for residential property purchases, subject to the CPF usage limits for the property.

Bracket	Rate
First $180,000	1%
Next $180,000	2%
Next $640,000	3%
Next $500,000	4%
Next $1,500,000	5%
Above $3,000,000	6%

Bracket	Rate
First $180,000	1%
Next $180,000	2%
Next $640,000	3%
Next $500,000	4%
Next $1,500,000	5%
Above $3,000,000	6%

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