Investment Guide
Exit Strategy & SSD
Seller's Stamp Duty can take a meaningful bite out of an early sale, so your exit timeline should be part of the purchase decision, not something you work out after you've already bought.
Reviewed by Glenice Toh
Current SSD Schedule
Current SSD Rates By Holding Period
Rates apply to the higher of the sale price or market value, and depend on the purchase date.
- Purchased on/after 4 July 2025 — sold within 1 year16% SSD.
- Purchased on/after 4 July 2025 — sold within 2 years12% SSD.
- Purchased on/after 4 July 2025 — sold within 3 years8% SSD.
- Purchased on/after 4 July 2025 — sold within 4 years4% SSD.
- Purchased on/after 4 July 2025 — sold after 4 years0% SSD.
- Purchased before 4 July 2025 — sold within 1 / 2 / 3 years12% / 8% / 4% SSD on the earlier schedule; 0% after 3 years.
Why Exit Timing Belongs In The Purchase Decision
SSD is calculated on the full sale price or market value, not just your gain, so it can erode returns significantly on an early exit even if the property has appreciated. Deciding your likely minimum holding period before you buy — rather than after market conditions change — avoids being forced into a sale that costs more in SSD than it should.
Where Sellers Miscalculate
Frequently Asked Questions
Frequently Asked Questions
Does SSD apply to all property sales?
Seller's Stamp Duty applies to residential property sold within the holding period from purchase, with rates that decline the longer it's held.
Is SSD based on my profit or the full sale price?
It's based on the full sale price or market value, whichever is higher — not just the gain.
Does SSD apply to HDB flats too?
SSD applies to residential property sold within the holding period regardless of whether it's HDB or private, subject to the schedule in force at the time of purchase.
Mortgage
Estimate monthly loan repayment and total interest over the loan tenure.
Run the Mortgage calculator →Planning an exit or working out SSD exposure?
The schedule that applies depends on your exact purchase date. Confirm the numbers before you commit to a sale timeline.
Discuss My Next Move