From OTP to keys — dates and payments, for HDB and private property.
BSD/ABSD rates confirmed against the official IRAS table (effective 27 Apr 2023, the current revision): BSD progressive bands as published; ABSD 0/20/30% for Singapore Citizens, 5/30/35% for PRs, 60% flat for Foreigners, by 1st/2nd/3rd-and-subsequent property. Remissions are not modelled — e.g. SC couples selling an existing home within 6 months of the new purchase, decoupling, trust purchases (65% ABSD), entity/developer purchases — check those against your client's specific situation with a conveyancing lawyer or IRAS directly.
What are you planning?
This decides which legs of the timeline you'll fill in below.
Sell ↔ Buy Overlap
How your sale and purchase line up — worth checking before you commit to either OTP.
Sell ↔ Buy Timeline
Both timelines drawn to the same real calendar scale — a date directly above another means they land on the same day.
