New SSD Rule Changes in Singapore: What Buyers & Sellers Need to Know (2025 Update)

Authored by Raymond Tiah

New Cooling Measures for 2025: SSD Extended to 4 Years

In a continued effort to stabilise the private residential property market, the Singapore government has announced an important update to the Seller’s Stamp Duty (SSD). From 4 July 2025, the SSD holding period will be extended from 3 years to 4 years. This means sellers who dispose of their properties within four years of purchase will incur a stamp duty, with higher rates applying to each tier.

This move is aimed at curbing speculative short-term flipping, especially in an environment where property prices have risen sharply over the past years. Sellers and investors must now adapt to a longer holding horizon when planning exits.

SSD Rate Increases: Up to 4% More Per Tier

In addition to the extended holding period, SSD rates have also been raised by 4% across all tiers:

• Up to 1 year: From 12% → 16%

• >1–2 years: From 8% → 12%

• >2–3 years: From 4% → 8%

• >3–4 years: Now taxed at 4% (previously exempt)

• More than 4 years: No SSD applies

These increased costs significantly affect the profitability of quick flips and short-term investment strategies. The changes apply only to private residential properties and aim to encourage longer-term ownership stability.

What It Means for Homeowners and Investors

The extended SSD window and rate hikes will have direct implications for both buyers and sellers. Those who previously planned to sell within three years may now need to hold longer or face higher costs. It also means investors must factor in the revised tax structure when assessing ROI.

Key takeaways for property owners:

• Hold beyond 4 years to avoid SSD

• Review exit timelines carefully with updated tax planning

• Consult a trusted agent or financial planner to strategise your next move

If you're unsure how this affects your plans, I’d be happy to walk you through your situation.

Let’s chat — no pressure, just perspective.
🔴 Follow @raytiah318 or DM to explore your options and next move.

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