Are you thinking about buying property in Singapore as a foreigner or expat in 2025? Maybe you’re relocating for work, or you simply love the lifestyle and want a permanent place to stay.

You might even be planning a long-term investment. Whatever your reason, you’re probably wondering: “Can foreigners really buy property in Singapore, and how hard is it?”

Well, you’ll be happy to know that buying a property here is quite possible for foreigners. And the best part?

The process is smooth if you follow the right steps and understand the rules. So let’s walk through everything only, so you feel confident and ready.

Why Singapore Is a Perfect Spot for Property Investment

Singapore is clean, safe, and well-planned. It’s also a very stable place when it comes to law, finance, and the economy. The government has kept things clear and fair, so foreign investors and expats feel welcome and secure. You get good returns, strong rental demand, and properties here hold value well.

Plus, there are many property types to choose from—condominiums, landed homes, executive condos, and apartments. All these options make Singapore a place where foreigners feel comfortable putting their money.

Let’s now go step-by-step through what you should know.

Types of Properties Foreigners Can Buy

Before jumping into the buying process, it’s good to know what types of properties are open to you. In Singapore, not all properties are available to non-citizens, but there are still plenty of options to choose from.

Condominiums and Apartments

This is the most common and easiest property type for foreigners. These private units often come with modern facilities like swimming pools, gyms, and BBQ pits. You can buy any private condo on the open market without needing approval.

Landed Properties (With Permission)

Foreigners usually need special approval to buy landed properties, such as bungalows or terrace houses. But if you’re a permanent resident or making Singapore your long-term home, it’s worth trying.

Executive Condominiums (With Rules)

Executive condominiums (ECs) are a mix between public and private housing. Foreigners can buy ECs only after they’ve reached the 10-year mark from the date they were first sold. That means you can only buy ECs from the resale market, not new ones.

Commercial Properties

If you’re more into business or want to avoid some rules, buying commercial property is a good option. Offices, shops, and industrial units are open to all buyers and usually don’t need government approval.

Now, once you know what kind of property you’re allowed to buy, the next question is…

What’s the Process Like?

Buying property might sound complex, but Singapore has made things really smooth for foreigners. Let’s go through the simple steps to help you understand better.

Step 1: Plan Your Budget

You should first work out how much you can afford. Keep in mind the cost of the property, stamp duties, legal fees, and renovation if needed. Most foreigners can take up to a 75% loan-to-value ratio, but it depends on the bank and your income.

A casual and useful tip? Always talk to a bank or mortgage advisor first. They can guide you well.

If you’re still wondering about all the rules and costs of buying a property in Singapore, you can check this helpful guide, buying a property in Singapore. It breaks down everything you need to know in a friendly and useful way.

Step 2: Pick the Right Property

Look at different neighbourhoods, think about transport, schools, and nearby facilities. Shortlist 2–3 places you like. Try to visit them in person or ask your agent to arrange a virtual tour if you’re not in town.

Step 3: Hire a Reliable Agent

A local property agent can save you a lot of time. They know the market, the paperwork, and the little details you may miss. They’ll also guide you through viewing, negotiation, and documents.

Step 4: Make an Offer

Once you like a place, your agent can help you put in an offer. If the seller agrees, you sign the Option to Purchase (OTP) and pay a small option fee (usually 1%).

Step 5: Finalise the Deal

You have 14 days to confirm and pay the rest of the deposit (4%). After that, your lawyer will help complete the sale and check the legal documents. The process usually takes 8–10 weeks.

What Are the Costs Involved?

Let’s talk about money. Apart from the property price, there are a few extra costs you should know about:

• Buyer’s Stamp Duty (BSD): This applies to all property buyers and is based on the property’s price.
• Additional Buyer’s Stamp Duty (ABSD): Foreigners have to pay ABSD, but it’s part of the government’s way to keep the market stable.
• Legal Fees: You’ll need a lawyer to help with all the legal checks.
• Valuation and Bank Fees: If you’re taking a loan, the bank might ask for a valuation and processing fee.

Can Expats Get a Home Loan in Singapore?

Yes, you can. Foreigners and expats can take out home loans from most banks in Singapore. Just make sure your documents are in order. You’ll need your passport, proof of income, job details, and tax returns.

Most banks offer fixed or floating interest rate packages. It’s best to compare and talk to a few lenders before choosing.

What About Legal Rules?

Singapore has a good legal system, and that’s one reason why people love investing here. Everything is properly recorded, and your property rights are well protected. You don’t need to worry about unclear land titles or any sudden surprises.

If you’re a US citizen buying property, you can still go ahead like any other foreigner. There’s no restriction just because of your nationality, and you follow the same process as others. To get clearer info, this page is quite helpful for us citizen buying property.

Conclusion

So, if you’re thinking about buying property in Singapore as a foreigner or expat in 2025, you’re already on the right track. It’s a secure, clean, and friendly place with clear steps and strong support from banks, lawyers, and agents. From choosing the right property to moving in or renting it out, the process is well-structured and simple to follow.

With the right planning and knowledge, owning a property in Singapore can be a smart and satisfying experience. Whether you’re planning to live here or make a long-term investment, now is a good time to explore the market and take the next step forward.