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Hi,
You do not have to pay ABSD as you are a Singaporean, married to a foreign spouse and do not own any property anywhere.

Currently, as you are living away from SG, you do not qualify to purchase an HDB flat. You got to be in SG, to purchase a HDB flat and must live in it.

However, you can purchase a condo or new launch anytime. This is a better investment as private properties appreciate faster than HDB flats over time. You must also be able to get a loan from a local bank to settle your purchase. I can asist you with all the above.

Please contact me so that I can be of further assistance.
Cheers!

Elan Govan
MABA (Lancaster)
 90170747 
jayelan@gmail.com
www.goodpropertiesguide.com Read More

Hi,

I would be most glad to assist you further and pls feel free to let me know if you need any assistance. Have a good day ahead. By the way, there is no ABSD in your case.

Regards
Aaron Chong
 9730 8455 
aaronchong2774@yahoo.com.sg Read More

Good day to you.

Married couples are recognized as a single legal entity when it comes to property ownership, which means that their matrimonial home is exempt from Additional Buyer’s Stamp Duty (ABSD). However, since both of you have been working overseas, there are some financial considerations you need to keep in mind. You may be required to make a full cash payment for the downpayment, which typically amounts to 25% of the purchase price, as well as the Buyer Stamp Duty.

It's important to understand all the nuances involved in this process, so let’s arrange a meeting to discuss your specific circumstances and explore the best strategies for achieving your dream of home ownership together.

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Regards
Mike Lim
 96929209 
R026708F
m52i@yahoo.com
ERA Read More

Was in a similar situation with you some years back as my wife and I both worked overseas and had to plan our property purchases once we returned back to Singapore.

There are quite a number of considerations you need to take note of, in relation to policy, taxes, financing etc etc... Happy to connect and share more over text or zoom and discuss your options if you need any support.

I'm a Harvard graduated real estate agent with a degree in economics, and I have a decade of experience working on Singapore public policy.

Feel free to reach out via whatsapp or email.

Kay Cloud
The Harvard Educated Agent
Propnex Realty Pte Ltd
cloud@propnex.com
Tel: (+6.5.) 8.5.6.7.4.5.8.5
Whatsapp -> https://wa.me/6585674585 Read More

Being a Singapore Citizen purchasing your first matrimonial home, you can apply for ABSD remission if your spouse is a non citizen. Only normal buyer's stamp duty applies like for all purchases.

——

I have been in the real estate business since 2009, with more than 15 years of experience serving the Singapore real estate market.

I am very active in the residential segment of Singapore real estate market, having transacted hundreds of deals from HDBs to private condominiums and landed properties in Singapore, and have handled many unique cases in sales and purchases as well as rental deals.

Over the years, I have also established a network reaching out to more than 15,900 expatriates, bringing my market presence to both in and outside of Singapore. This has created an additional exposure when I manage my client's portfolios, on top of the conventional on and offline platforms, where other estate agents are relying on. This has allowed me to consistently convert leads into results.

With an evolving market, where change is the only constant, I have also been investing in upgrading of my knowledge and skills sets to improve myself and meet the demands of current and future market.

We are offering our clients a complimentary first consultation without obligations (Absolutely FREE!). Schedule for your FREE session today!

Warmest regards,
Geryl Lim
Deputy Branch Associate Director
Email: geryl.lim@orangetee.com / geryl7772@gmail.com
OrangeTee & Tie Pte Ltd 430 Lorong 6 Toa Payoh #01-01 OrangeTee Building Singapore 319402
Estate Agent Licence No. L3009250K
 +65 92787772 
www.geryllim.com

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Hi Sir,

ABSD is not applicable because both of you are married and if it is the first property, it is considered as a matrimonial home and therefore even if you buy together with your foreign spouse, you will need to just pay the normal buyer stamp duty and no ABSD.

I have assisted my clients who are in a similar situation. Please feel free to contact me so that I can give you an overview of the purchase process and highlight to you what you need to look out for.

Regards,
Nick Tan
(M) +65 96 44 48 54
B.Eng(Chemical)(Hons)(NUS)
Cert-in-REA
(E) nick96444854@gmail.com
SEAA Salespersons Achievement Platinum Award 2020/2022/2023
Visit my website to know me better: www.nicktan.com.sg
WhatsApp: https://wa.me/qr/X6VRPGSSIHN5D1
I was featured recently on Council for Estate Agencies (CEA) Newsletter:
http://bit.ly/CEAnews

I have written a guide on buying Residential Property:
http://bit.ly/buypropertyguide

Testimonial from my Clients
We have the privilege to work with Nick on our recent house purchase and we are extremely grateful for all the help he rendered to make the purchase a seamless experience!
Nick is attentive to all the requirements we have for our purchase and in the short span of time, he was able to provide us with potential shortlisted units that meet our criteria. (A big lifesaver for family with young kids and limited availability!) When conducting a viewing, Nick is highly proactive as he can be seen taking notes, asking questions, checking the conditions (that we missed or never thought of) and etc.
Overall, Nick remains reactive and portrays professionalism in this entire process. We would definitely recommend him to our friends and family who are looking for their next home/move opportunity.

Jeannie & Victor (Buyer) Dec 2023
Nick provides a delightful customer experience from day one when I engage him as my agent to look for a property of my choice to the completion of the deal. He is competent, resourceful and has a pleasant manner to work with. He is the Agent of my choice in dealing with properties and I would highly recommend him to others who would appreciate an agent that takes care and can give the customer a peaceful mind.
Susana (Buyer)

Nick is very pro-active in helping us to resolve whatever questions and problems that we encountered. All the issues are settled even before us having to request or ask for a second time. He was very frank and transparent with all the details, limitations and advantages that we wouldn’t have known. I think this is the most important virtue to be successful in this line. I will surely recommend him to anyone who needs his service because I trust that they will be equally satisfied!!
Mr and Mrs Chan (Sold and Bought a property through Nick)

“We are very grateful to Nick for his extensive marketing efforts. With his comprehensive marketing plan, he helped us to achieve a record selling price within 2 weeks of listing our property for sale! We highly recommend his service to anyone who is keen to sell their properties.”
Mr & Mrs Wong (Property Seller)

“Nick has conducted himself ethically and professionally when handling the sales of our property. Thanks to his patience and perseverance, we managed to secure a sales price beyond our expectations.
We are very happy and satisfied with his services and will definitely recommend him to our friends and family in the future.”
Mr & Mrs Tan (Seller of Inter-Terrace House) Read More

hi,

There is no ABSD applicable for your case.

If you are looking for an agent to assist you with your purchase, I can assist you in finding the right unit. Please refer to my testimonials below for your consideration.

This platform does not allow me to contact you directly so kindly contact me at https://wa.me/6597261112 I would be glad to assist you further.

Thank you and best regards,

Jenny Tran
Propnex Realty Pte Ltd
(HP) +65 97261112 
(Email) jenny.tran@propnex.com
BSc (Real Estate) (Hons)-NUS

Testimonial from Satisfied Clients
-- My husband and I wish to commend the sincere attitude and good customer service rendered by your staff Jenny, who handled the sale of our 5R HDB flat early this year. We have met several agents but none as genuine as Jenny. Being a seller agent, she took our interest at heart in handling the sale, unlike other agents who are self-interest. Jenny is punctual and prompt in the whole dealings and we were convinced that such an agent is hard for find nowadays. Jenny is a trustworthy, honest, sincere and hardworking agent. We are happy with her service and would gladly recommend her to our friends in future. Jenny is an asset to Propnex and the organisation should value her. Thank you Jenny for her efforts--
Mr and Mrs Soo (HDB seller)

--Jenny is very committed and responsive to her clients and she has spent hours updating them and looking out for great deals and even tailor-made property proposal geared towards their needs. Will certainly refer her to others and will definitely approach her again in her future--
Nick and Kim (New launch buyer)

--Jenny did a great job helping my wife and I sell our unit. She took active steps to walk our neighbourhood to understand what she was marketing. During the marketing period, she managed potential buyers and provided timely updates and recommendations so we could stay on top of the process. Overall, Jenny was professional and helped us to achieve a positive result which we are very thankful for--
Aaron ( HDB seller)

--Jenny was very passionate and went the extra miles to help. Thanks to her professional advice and recommendations, I had finally found my dream home--
Yvonne (New launch buyer)

--Appreciate Jenny's clear and prompt communication style with us and other stakeholders. She was also patient and client-centered throughout the process of finding a home that met our criteria. As a first-time home buyer, we appreciate how she went out of her way to explain the process and answer questions we had--
Samantha (Resale condo buyer) Read More

Hi there,

Thanks for your question — this is something many Singaporeans in cross-border marriages ask about.

If you’re a Singapore Citizen buying your first residential property jointly with your foreign spouse, and neither of you owns any property in Singapore at the time of purchase, you may qualify for full ABSD remission under current IRAS guidelines. This applies whether you’re buying a resale HDB or a private condominium.

However, the remission is only granted if certain conditions are met — including that the purchase is made jointly by both spouses and that neither party owns any other residential property in Singapore at the point of purchase.

That said, policies can change, and it’s always safest to consult directly with IRAS or a conveyancing lawyer for the most up-to-date advice based on your exact situation.

If you’d like help reviewing your options or understanding the full costs involved, feel free to WhatsApp me at 96576701  . I’d be glad to assist.

Warm regards,
Aren Goh | PropNex
arengohrealty.com Read More

I would be glad to assist you.
Feel free to contact me at wa.me/6597100155
Hope to hear from you soon.
Pei Mobile: (65) 9 7 1 0 0 1 5 5.
Email: peicheng.tan@propnex.com
Associate Group Director
Propnex Realty Pte Ltd Read More

Hi Do contact me at 97970200  to understand more and discuss.

Mark, your RIGHT choice
Propnex Read More

Hi,

1) No, you won't be subject to any ABSD as a Singapore citizen buying the 1st residential property.
2) This ABSD has nothing to do with the value of the property, it is the count of residential property each person own in Singapore only.

All The Best!!!

Hope the above answers your main concerns, but if there are more queries, please feel free to contact me at 90110636  or email: ling.ck7@gmail.com if more information is needed.
I'll be glad to assist.

Best regards
Ling CK
 90110636 
ling.ck7@gmail.com
https://www.linkedin.com/in/ckling/
https://agents.huttonsgroup.com/R056727F/

Note:
Any response to our answer does not reach us until we scroll through every query posted daily.
The best way to get a follow-up is to contact us directly via WhatsApp or email. Read More

Hi, appreciate your sharing. As Singaporean married couple with first purchase don't require to pay any ABSD. Able to double check with law firm before proceeding.
Looking forward to assist you at 9696 4398  or email me at stewartlim96964398@gmail.com

Cheers
Stewart-PropNex (Senior Associate Division Director) Read More

Hi

As both of you are legally married, ABSD remission is applicable on your first matrimonial property joint purchase, so there will not be any ABSD applicable. Only the relevant buyer stamp duties apply, which is standard for all residential purchase.

https://www.iras.gov.sg/taxes/stamp-duty/for-property/appeals-refunds-reliefs-and-remissions/common-stamp-duty-remissions-and-reliefs-for-property/remission-of-absd-for-a-married-couple

I have helped couples to purchase their first residential property, both HDB and private. Happy to share my inputs and experience.

Hope the above clarifies. I am well-versed with HDB and private property transactions, having helped more than 100 homeowners transit smoothly with their housing plans. Please reach out to me at 97432395  for a more in-depth discussion :)

May I have more info on your requirements so as to make better recommendations? Thanks and looking forward to chat more

Warm Regards,

Ivan Ng Realtor
ERA Senior Marketing Director
ERA Multiple Diamond Award Achiever

SEAA Salesperson Achievement Award (Gold)
SEAA Singapore Accredited Mortgage Planner (SAMP)

ERA Top 11th Achiever in Feb 2024 (Top 1% Company Level)
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ERA Top 11th Achiever in June 2020 (Top 1% Company Level)

SMU BBM (Finance), Magna Cum Laude
Proactive. Sincerity. Feedback.

Contact: (+65) 97432395 
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**Note: We are not prompted when you respond here, hence please get in touch directly. Look forward to hear from you soon! **

Buyer Mr Wang and Ms Ng
We want to convey our thanks to Ivan, who helped us find our first home. Ivan was very responsive when we first met, and took time to understand our needs and requirements for our first home. He helped us narrow down our criteria and gave us good advice on how to structure our mortgage as well. He also made a great recommendation of an area we never thought of, and it was where we eventually bought our home. We appreciate Ivan's thoroughness in pros and cons of all our options that we viewed. We never felt pressured or rushed to make a decision. In fact, Ivan gave honest and useful inputs on the considerations of acting immediately or waiting. All in all, it was a very smooth experience and we ate very happy with the unit we bought. Thank you very much, Ivan!

Buyer Mr Huang and Ms Wang: While we are searching for an agent to help us with purchasing a unit at a new condo launch, we get to know Ivan from PropertyGuru. Initially we had issue with the funding. Ivan has been extremely patients with all our questions and ideas during financial planning. Our ballot queue is not in the front, however Ivan has always been able to propose options for us to eventually get a decent unit that both my wife and i liked. Being the first timer ourselves, there are always so many questions marks and unknowns. Yet Ivan has been the one single person that we can always rely on, be it financial, legal, or even renovation related. The follow-up is literally within a snap of finger - we could always expect an accurate reply within minutes. It's a short and eventful journey, we are really grateful that such an outstanding and committed agent like Ivan is around to support & guide us along the way. A big THANK YOU to Ivan for the great effort and commitment. Read More

I would be glad to assist you.
Feel free to contact me at wa.me/6597100155
Hope to hear from you soon.
Pei Mobile: (65) 9 7 1 0 0 1 5 5.
Email: peicheng.tan@propnex.com
Associate Group Director
Propnex Realty Pte Ltd Read More

Hi for first matrimonial house, it will not be subjected ABSD.

For more information, you can contact me at 8299 8262  .

About Me:
I am a dedicated and knowledgeable real estate professional committed to helping clients find their dream property or secure the best value for their investments. With a strong understanding of the local market trends, personalized service, and transparent communication, I strive to make the buying, selling, or renting process smooth and stress-free. Whether you're a first-time homebuyer, an investor, or looking to upgrade, I’m here to guide you every step of the way. Let’s connect and turn your property goals into reality!

Services Offered:

Residential & Commercial Properties

Buy/Sell/Rent Assistance

Market Insights & Valuation

Negotiation & Transaction Support

Contact me today for a seamless real estate experience! Read More

1. You won’t need to pay **ABSD** since you’re a Singaporean, married to a foreign spouse, and do not own any property.

2. At the moment, you can’t buy an **HDB flat** because you’re living overseas—you must be in Singapore and reside in the unit.

3. You can, however, purchase a **condo or new launch** anytime. These tend to appreciate faster than HDB flats, provided you can secure a local bank loan.

4. I can guide you through the process from loan application to purchase—just reach out when ready.

“Opportunities don’t happen. You create them.” — Chris Grosser
WhatsApp me at: ABLE Toh (65) 9856-9255  or through this link.:https://wa.me/6598569255

----------------------------888--------------------------------888--------------------------->>>

(1) "If you need more assistance with property matters:

like renting / selling, buying / or investing, I'm here to help!

WhatsApp me at: ABLE Toh (65) 9856*9255 or through this link.:https://wa.me/6598569255

(Unfortunately, this platform doesn't allow direct contact, but you can easily reach me )

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QUOTE OF THE DAY " In negotiations, the most important thing is not to win or lose, but to find a solution that is mutually beneficial." Read More