官方参考资料
新加坡房产决策规则
供房产负担能力与升级规划引用的版本控制规则集，汇总引擎采用的官方来源。每宗实际交易仍以贷款机构、HDB、CPF、IRAS 与法律确认结果为准。
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住房贷款负担能力限制
| 规则 | 内置数值 | 决策引擎用途 |
|---|---|---|
| TDSR | 55% | Bank housing-loan debt-service limit |
| MSR | 30% | HDB flats and new ECs where applicable |
| Variable-income recognition | 70% | 30% minimum haircut |
| Bank qualifying-rate floor | 4.0% | Higher of floor or thereafter rate |
| HDB qualifying-rate floor | 3.0% | Higher of floor or entered package rate |
规划采用的主要贷款价值比层级
| 现有住房贷款 | 标准银行 LTV | 较低银行 LTV | 最低现金 |
|---|---|---|---|
| 0 | 75% | 55% | 5% standard / 10% lower |
| 1 | 45% | 25% | 25% |
| 2 or more | 35% | 15% | 25% |
贷款年限或年龄加贷款年限超过门槛时可能采用较低层级；最终以贷款机构评估为准。
购买印花税处理
| 税项 | 规划处理 |
|---|---|
| BSD | Residential progressive schedule on higher of price or market value |
| ABSD | Highest applicable joint-buyer rate on higher of price or market value |
| Potential ABSD remission | Shown separately; never deducted from completion funding |
自 2023 年 4 月 27 日起主要 ABSD 买家类别
| 买家类别 | 第一套 | 第二套 | 第三套及以后 |
|---|---|---|---|
| 新加坡公民 | 0% | 20% | 30% |
| 新加坡永久居民 | 5% | 30% | 35% |
| 外国人 | 60% | 60% | 60% |
CPF 住房使用保障
| 检查 | 决策处理 |
|---|---|
| Purchase price versus value | Use the lower price/value basis for applicable CPF limits |
| Lease coverage | If the lease does not cover the youngest buyer to age 95, official pro-rating can apply |
| Sale refund | Refund principal used plus accrued interest from available sale proceeds |
| Unconfirmed CPF limit | Return more information needed; do not invent eligibility |
自 2025 年 1 月 1 日起自住住宅房产税率
| 年值级距 | 税率 |
|---|---|
| First S$12,000 | 0% |
| Next S$28,000 | 4% |
| 接下来 S$10,000 | 6% |
| Next S$25,000 | 10% |
| 接下来 S$10,000 | 14% |
| Next S$15,000 | 20% |
| 接下来 S$40,000 | 26% |
| Above S$140,000 | 32% |
交易次序保障
| 次序 | 资金处理 |
|---|---|
| Sell first | Include confirmed cash proceeds and CPF refund available before purchase completion |
| Concurrent | Include sale funds only when timing is confirmed |
| Buy first | Exclude later sale funds from initial completion funding and show dual carrying cost |
| Retain | Exclude sale proceeds and retain existing-home carrying cost |
相关计算器
官方资料来源
- MAS Mortgage Servicing Ratio and Total Debt Servicing Ratio RulesMonetary Authority of Singapore · 验证于 2026-08-21
- HDB Housing LoanHousing & Development Board · 验证于 2026-08-25
- IRAS Stamp Duty RatesInland Revenue Authority of Singapore · 验证于 2026-08-22
- IRAS Additional Buyer’s Stamp DutyInland Revenue Authority of Singapore · 验证于 2026-08-25
- IRAS Seller’s Stamp Duty for Residential PropertyInland Revenue Authority of Singapore · 验证于 2026-08-22
- IRAS Property Tax RatesInland Revenue Authority of Singapore · 验证于 2026-08-25
- CPF Housing Usage Limits中央公积金局 · 验证于 2026-08-25
- CPF Refund When Selling or Transferring Property中央公积金局 · 验证于 2026-08-25
官方资料可能更改。作出决定前，请打开以上来源确认最新规则；Interest.sg 不会估算缺失的官方数值。
引用建议：Interest.sg，《新加坡房产决策规则》，资料日期 2026-08-25，最后成功检查 2026年8月25日。