வெளிநாட்டினர் வழிகாட்டி
நூற்றுக்கணக்கான பரிவர்த்தனைகளுக்குப் பிறகு, அதே சில தவறுகள் மீண்டும் மீண்டும் தென்படுகின்றன. இதோ கவனிக்க வேண்டியவை.
Most foreigner-buyer problems aren't legal or financial in nature — they are due-diligence failures that could have been caught early. Here are the ones we see most often.
The ABSD bracket is determined by your citizenship status at the date of OTP exercise. Mistakes:
Always verify your bracket with a tax-aware property lawyer before signing.
In-Principle Approval (IPA) from a bank is free, takes 1-2 weeks, and locks in how much you can borrow. Skipping this step and signing an OTP based on assumption is the #1 reason foreigners forfeit option fees.
If your loan approval comes in lower than expected after OTP exercise, you either top up in cash or default (and lose the 5% paid to date — often S$100,000+ on a S$2M condo).
A general-practice lawyer or one referenced casually by your agent is often not the right choice for a foreigner buyer. Conveyancing for non-resident buyers involves:
Use a lawyer who has done at least 10 foreign-buyer deals in the last year. Ask directly.
Buyers fall in love with a unit, sign OTP, then discover the bank values it 5-10% below what they paid. The cash gap must be covered out of pocket. Get a valuation indication from your bank or a professional valuer before OTP if the price feels above-market.
The /price-check tool on this platform draws on the same HDB and URA data the banks' valuers use — a free first sanity check.
Singapore listings carry conventions that can confuse newcomers:
For a S$2M condo, a foreigner needs roughly:
~S$1.77M cash required up front. The remaining S$1.5M comes from the bank at completion.
Verify all these line items in writing with your lawyer before committing.
In the new-launch market it is normal to buy off plan. In the resale market, do not skip the physical viewing. Photos and video tours hide:
Bring a property surveyor if you are spending serious money.
Foreign buyers who succeed in Singapore property treat the first 4-6 weeks as due diligence, not transaction. Run the numbers, get the IPA, verify the legal bracket, pick the right lawyer — then sign the OTP. The 14-day window after that moves fast and you do not want to be discovering problems then.
தலையங்க குறிப்பு
இந்தக் கட்டுரை பொதுவான தகவல் மட்டுமே, இது சட்ட, வரி அல்லது நிதி ஆலோசனை அல்ல. சிங்கப்பூர் சொத்து விதிகள் கொள்கை புதுப்பிப்புகளுடன் மாறுகின்றன, மேலும் ஒவ்வொரு வாங்குபவரின் சூழ்நிலையும் வேறுபட்டது. எந்தவொரு வாங்கும் முடிவையும் எடுப்பதற்கு முன் CEA-பதிவுபெற்ற சிங்கப்பூர் சொத்து முகவர், தகுதிவாய்ந்த வரி ஆலோசகர் மற்றும் பத்திர பரிமாற்ற வழக்கறிஞரை அணுகவும்.