One Chuan Grove is private residential property on a 99-year lease, which makes the eligibility question simpler than it is for public housing or an executive condominium. There is no income ceiling, no family nucleus requirement, no minimum occupation period and no citizenship bar. What changes between buyers is not whether they may buy, but what the purchase costs them.
Singapore Citizens, Singapore Permanent Residents, foreigners, companies and trusts may all purchase a unit in a non-landed private development such as One Chuan Grove. The restrictions in the Residential Property Act apply to landed housing and to vacant residential land, not to apartments and condominium units in a development of this kind.
A buyer must be at least 21 years old to hold property in their own name. Beyond that, the practical constraints are financial rather than regulatory: what a bank will lend, and what the duties come to.
ABSD is the single largest variable between buyer profiles, and on a purchase of any size it dwarfs every other transaction cost. The rates in force since 27 April 2023, as at September 2026, are: a Singapore Citizen pays nothing on a first residential property, 20 per cent on a second and 30 per cent on a third or subsequent. A Singapore Permanent Resident pays 5 per cent on a first, 30 per cent on a second and 35 per cent on a third. A foreigner pays 60 per cent on any residential property, and an entity or trustee 65 per cent.
Two consequences follow. The first is that the profile, not the price, usually decides affordability at the margin: the gap between a citizen buying a first home and the same citizen buying a second is 20 per cent of the purchase price before anything else is counted. The second is that where two or more buyers of different profiles purchase together, the highest applicable rate applies to the entire value — not to a share of it.
The stamp duty page sets out both scales in full, and the stamp duty calculator computes the figure for a given price and profile.
A married couple with at least one Singapore Citizen spouse, where neither owns residential property, qualifies for full ABSD remission. Where such a couple buys a second property, ABSD is paid upfront and may be refunded if the first property is sold within six months of the purchase — or, where the new property is still under construction, within six months of its Temporary Occupation Permit. The conditions IRAS attaches are strict and the timelines are hard.
Nationals and permanent residents of the United States, and nationals of Iceland, Liechtenstein, Norway and Switzerland, receive Singapore Citizen treatment on ABSD under free trade agreements.
Eligibility to buy is not eligibility to borrow. The Loan-to-Value ceiling on a first housing loan is 75 per cent, falling to 45 per cent with one loan outstanding and 35 per cent with two or more. Stretching the tenure beyond 30 years, or past the borrower’s 65th birthday, drops each of those to 55, 25 and 15 per cent respectively and raises the minimum cash portion.
Layered on top is the Total Debt Servicing Ratio: total monthly debt obligations, assessed at a medium-term interest rate floor of 4 per cent, must not exceed 55 per cent of gross monthly income. Variable income is counted after a haircut of at least 30 per cent. The TDSR calculator works both limits and reports which one binds.
A buyer who knows their profile, their duty position and their borrowing ceiling before pricing is released is in a materially better position than one who works it out afterwards, because the window between a price list and a booking day on a new launch is short. The progressive payment calculator brings the three together into a single figure for funds required before the loan begins, and the preview appointment page is where the list of registered parties is kept.
Stamp duty and financing figures verified against IRAS and MAS on 18 September 2026. Rates change at Budgets and policy announcements — confirm before committing.
Buyers occasionally ask whether purchasing through a company or a trust sidesteps the duty position. It does the opposite. An entity pays 65 per cent ABSD on any residential property, and a transfer of residential property into a living trust attracts the same 65 per cent, payable upfront. A remission may be claimed where the trust is held for identifiable individual beneficiaries, refunding the difference between 65 per cent and the rate that would apply to the beneficiary with the highest applicable rate — but the application must be made to IRAS within six months of execution.
Lending is also harder: the Loan-to-Value ceiling for a borrower that is not an individual is 15 per cent, which makes a corporate purchase overwhelmingly a cash transaction.
The e-brochure, the floor plans and the pricing reach registered parties as the developer issues them.