Financing
Buying a home at The River Opus involves Buyer’s Stamp Duty (BSD) and, for some buyers, Additional Buyer’s Stamp Duty (ABSD). This page outlines how these apply so you can plan ahead. Stamp duty rates are set by the Inland Revenue Authority of Singapore (IRAS) and may change — always confirm the current rates with IRAS or your conveyancing lawyer before committing.
Buyer’s Stamp Duty
Buyer’s Stamp Duty is payable by all buyers on the purchase price or market value of the property, whichever is higher, on a tiered scale that rises with the value of the home. It applies regardless of residency or how many properties you own. For a development like The River Opus, your conveyancing lawyer will compute the exact BSD once the unit and price are confirmed. See the payment scheme page for how stamp duty fits into the overall payment timeline.
| Purchase Price / Market Value (residential) | BSD Rate |
|---|---|
| First $180,000 | 1% |
| Next $180,000 | 2% |
| Next $640,000 | 3% |
| Next $500,000 | 4% |
| Next $1,500,000 | 5% |
| Amount exceeding $3,000,000 | 6% |
Buyer’s Stamp Duty rates for residential property, per IRAS. Rates are subject to change — confirm the current schedule with IRAS or your conveyancing lawyer.
Additional Buyer’s Stamp Duty
Additional Buyer’s Stamp Duty depends on your residency status and the number of residential properties you already own. Singapore Citizens buying their first home are not subject to ABSD, while rates step up for second and subsequent properties and for Permanent Residents and foreigners. Because ABSD can significantly affect total cost, it is worth confirming your position early. Our team can walk you through how it applies to your purchase at The River Opus — register on the showflat page, or review housing loan information to plan your financing.
| Buyer Profile | 1st Property | 2nd Property | 3rd & Subsequent |
|---|---|---|---|
| Singapore Citizen (SC) | 0% | 20% | 30% |
| Singapore Permanent Resident (SPR) | 5% | 30% | 35% |
| Foreigner | 60% | 60% | 60% |
| Entity / Trust | 65% | 65% | 65% |
Additional Buyer’s Stamp Duty rates per IRAS, payable on top of BSD. ABSD is subject to change and reliefs may apply (for example, under certain Free Trade Agreements) — confirm your position with IRAS or your conveyancing lawyer.
Seller’s Stamp Duty (SSD) applies if you sell a residential property within the holding period after buying it. For properties purchased on or after 4 July 2025 — which includes a new launch like The River Opus — the holding period is four years, and SSD is charged on the higher of the sale price or market value. It is not a cost at purchase, but it matters if your plans might change within the first four years, so it is worth knowing before you commit. SSD must be paid in cash and cannot be paid from CPF.
| Property sold within… | SSD Rate |
|---|---|
| 1st year of ownership | 16% |
| 2nd year | 12% |
| 3rd year | 8% |
| 4th year | 4% |
| After 4 years | No SSD |
Seller’s Stamp Duty for residential property purchased on or after 4 July 2025, per IRAS (holding period revised from three to four years, rates 16/12/8/4). The holding period runs from the date the Option to Purchase is accepted. Licensed housing developers are exempt. Confirm your position with IRAS or your conveyancing lawyer.
Plan ahead
Register for a no-obligation chat on stamp duty, loans and the payment scheme for The River Opus.
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