Updated September 2026. Cooling measures and effective dates change. This is general education, not legal, tax or financial advice.
Measures act through different channels
ABSD, SSD, loan-to-value limits, TDSR, MSR, CPF rules and eligibility affect different buyers and transactions. There is no single permanent market effect.
- Verify each current rate and effective date.
- Identify the buyer profile and property type covered.
- Separate transaction volume, price and financing effects.
- Do not present historical patterns as proof of causation.
- Model affordability without predicting policy changes.
Consult current IRAS, MAS, HDB and CPF guidance.