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Private non-landed property in Singapore: current guide

Eligibility, duties, financing, strata, condition and resale checks for buyers.

Published 10 May 2023

Updated September 2026. This is general education, not legal, tax, financing or investment advice.

Start with the legal form

Private non-landed homes include apartments and condominiums held under strata or other titles. Buyers should verify tenure, title, approved use, strata area, by-laws, maintenance obligations and any restrictions against the actual documents.

Run five checks before committing

  1. Eligibility: citizenship, residency and property-type restrictions.
  2. Transaction cost: BSD, ABSD, legal fees and financing costs.
  3. Affordability: cash, CPF, loan limits, TDSR and a higher-rate stress test.
  4. Property evidence: comparable transactions, rents, layout, floor, facing and condition.
  5. Ongoing risk: maintenance, sinking fund, planned works, insurance and resale audience.

Inspect the unit and management records, and compare the exact home with current URA transaction evidence. Walk-up apartments need additional building, access and maintenance checks; see the walk-up apartment guide. Request a current property analysis.