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Understanding the Latest SSD Changes

8 July 2025

The landscape of Singapore's private residential property market has just undergone a significant shift. As property agents, staying abreast of these changes is not just about compliance; it's about refining your strategy, identifying genuine opportunities, and providing unparalleled value to your clients.

The Latest Shake-Up: Seller's Stamp Duty (SSD) Revised

Effective Friday, July 4, 2025 , Singapore has tightened its Seller's Stamp Duty (SSD) rates and extended the holding period for private residential properties. This move by the government is a clear signal to curb speculative buying and "property flipping" that had seen a sharp increase in short-term transactions, particularly in sub-sales of uncompleted units.

Here’s a snapshot of the new SSD rates:

Key Takeaways from the Changes:

Extended Holding Period: The period to avoid SSD has stretched from 3 to 4 years, a reversion to pre-2017 policies.
Higher Rates: Each tier has seen a 4%-point increase, making short-term sales significantly more costly.
Applicability: These changes apply to all residential properties purchased from midnight on July 4, 2025 . HDB flats remain unaffected due to their existing Minimum Occupation Period (MOP).

Why This SSD Revision is Critical for Property Agents

As the higher SSD rates directly penalize short-term speculative activities, there will likely be fewer "flipper" clients, a decrease in sub-sales and, potentially, a reduction in immediate resale supply from this segment. Understanding this can help agents give more informed advice to their clients.

Maximise Your Edge by Focusing on Prospects without SSD Status

Advanced tools like RealAgent become indispensable for the modern property agent. RealAgent empowers you to convert market knowledge into actionable strategies, particularly with its powerful RealTower feature.

RealTower offers an unparalleled tower view of any project, presenting each unit with crucial information regarding their SSD status, including:

SSD Percentage: The current Seller's Stamp Duty percentage applicable to that specific unit.
SSD Amount (if applicable): The calculated SSD payable based on the latest transaction price or market value.
SSD Period: The exact holding period counted from the unit's latest transaction date, indicating how long the current owner has held the property.

How RealAgent Helps You Target SSD-Relevant Units:

Beyond just viewing this information, RealTower's export function allows you to filter Units by SSD Completion Status - you can actively search for and export lists of units that:

Have completed their SSD period (holding period of more than 4 years), identifying immediately viable, SSD-free selling opportunities.
Are nearing their SSD completion , for instance, units that have 1 month to 12 months till their SSD completion .

This allows you to proactively search for, reach out and engage with owners who will soon be able to sell without SSD, giving you a competitive edge in securing new clients.

By leveraging RealAgent's RealTower and its advanced filter options, you can precisely identify and target homeowners who are in the most opportune positions to sell, or who will be soon. This transforms generic mass mailers into highly relevant, data-driven prospecting campaigns, significantly increasing your chances of securing quality listings in this new market environment.

Don't just react to the market; proactively shape your success with the cutting-edge tools from RealAgent.

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