Tengah Garden Walk EC Stamp Duty Calculator: BSD + ABSD for Every Buyer Type

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Stamp duty is the first tax that hits your bank account. Know your number before April 11 — it affects your cash planning and CPF usage.

BSD Calculation for Tengah Garden Walk EC (3-Bedroom, $1.55M)

Buyer’s Stamp Duty (BSD) applies to every buyer regardless of residency status:

| Tranche | Rate | Amount |
|—|—|—|
| First $180,000 | 1% | $1,800 |
| Next $180,000 | 2% | $3,600 |
| Next $640,000 | 3% | $19,200 |
| Remaining $550,000 | 4% | $22,000 |
| Total BSD | — | $46,600 |

This applies to the $1.55M 3-bedroom. For other unit prices:

| Unit | Price | BSD |
|—|—|—|
| 2+Study | ~$1.15M | ~$33,100 |
| 3-Bedroom | ~$1.55M | ~$46,600 |
| 4-Bedroom | ~$2.77M | ~$96,280 |

ABSD by Buyer Profile

SC (First Private Property — owns HDB only or no property):
ABSD = 0%
Total stamp duty on $1.55M = BSD only = $46,600

SC (Second Property — already owns private property):
ABSD = 20% × $1,550,000 = $310,000
Total stamp duty = $46,600 + $310,000 = $356,600

PR (First Private Property):
ABSD = 5% × $1,550,000 = $77,500
Total stamp duty = $46,600 + $77,500 = $124,100

PR (Second Property):
ABSD = 30% × $1,550,000 = $465,000
Total stamp duty = $46,600 + $465,000 = $511,600

Paying Stamp Duty: Timeline and Method

BSD and ABSD must be paid within 14 days of exercising the Option to Purchase (signing the S&P Agreement). You exercise the OTP within 3 weeks of the booking date — so stamp duty is due approximately 3–5 weeks after April 11.

Payment methods:
– CPF OA (most buyers use CPF for BSD)
– Cash
– Combination

BSD can be funded by CPF OA. If you’re using CPF for stamp duty, ensure your OA balance is sufficient.

Additional Government Charges

Beyond stamp duty, budget for:
– Legal fees (conveyancing): $2,500–4,500
– Loan processing fee: $500–1,500 (varies by bank)
– Resale levy (second-timers): $15,000–55,000
– Valuation fee: ~$500 (usually waived for new launch)

Total transaction costs for an SC first-timer buying a $1.55M 3-bedroom:
– BSD: $46,600
– Legal: $3,500
– Loan: $1,000
– Total: ~$51,100

Can I Claim BSD Remission?

There is no BSD remission for residential property in Singapore since 2018. All buyers pay full BSD.

There is also no ABSD remission for new EC purchases (unlike some commercial property scenarios).

Plan for full stamp duty costs — no exceptions for EC buyers.

See also: Tengah Garden Walk EC ABSD and buyer eligibility guide.

Also: Tengah Garden Walk EC financing and downpayment guide.