How Chinese buyers can purchase property in Singapore (2026).中国买家如何在新加坡置业(2026)。

What a Chinese national can actually buy中国公民实际能买什么

Most private condominiums and apartments are open to foreign buyers, including mainland Chinese passport-holders. What is restricted under the Residential Property Act: landed homes (terrace, semi-detached, bungalow) and HDB flats. Sentosa Cove landed property is the lone exception: foreigners may apply for purchase approval through the Singapore Land Authority on a case-by-case basis. For the vast majority of Chinese-buyer enquiries the practical answer is: a private condo or apartment, anywhere on the island.大多数私人公寓与公寓单位都对外国买家开放,中国大陆护照持有人也包含在内。根据《住宅物业法》(Residential Property Act),受限的是:有地住宅(排屋、半独立、独立洋房)和 HDB 组屋。圣淘沙湾(Sentosa Cove)的有地住宅是唯一例外:外国人可向新加坡土地局(SLA)按个案申请购买。对绝大多数中国买家咨询而言,实际答案是:岛上任何一处的私人公寓或公寓单位。

The five-step process五步流程

1. Confirm the all-in budget.确认含税总预算。 Working number is roughly listing price × 1.65 (price + 60% ABSD + ~3.5% BSD + ~0.2% legal). On a S$2M target that is ~S$3.3M cash-out at completion.参考公式:挂牌价 × 1.65(价格 + 60% ABSD + 约 3.5% BSD + 约 0.2% 律师)。以 S$2M 为目标,交割时现金支出约 S$330 万。
2. Lock financing in principle.先锁定贷款原则批复。 Approach DBS, OCBC, or UOB for an in-principle non-resident mortgage offer. Expect 50–60% LTV, MAS-capped at 75%.向 DBS、OCBC 或 UOB 申请非居民贷款原则性批复(IPA)。可预期成数 50–60%,MAS 顶格 75%。
3. Shortlist and view.筛选与看房。 Remote-first works: WeChat video viewings are standard for overseas-based Chinese clients in 2025–2026.远程优先是可行的:微信视频看房在 2025–2026 年的海外中国客户中已是常态。
4. Exercise the Option to Purchase.行使购买选项(OTP)。 1% option fee on issuance, 14 days to exercise; ABSD is due within 14 days of exercise.签发时支付 1% 选项金,14 天内行权;ABSD 在行权后 14 天内缴清。
5. Completion.交割。 Typically 10–12 weeks for a resale; longer for new launches under SPA. Conveyancing handled by your appointed Singapore law firm.二手房通常 10–12 周;新盘按 SPA 协议会更长。产权转让由你指定的新加坡律所办理。

Financing reality贷款现实

For a mainland Chinese buyer with no Singapore tax filing, banks typically lend 50–60% LTV on the property valuation (MAS caps the headline at 75% for first-property non-residents, but underwriting rarely reaches the cap without strong Singapore-source income). The mortgage offer needs Chinese tax returns plus audit statements for business owners, a Singapore bank account for monthly repayments, and a minimum 25% Singapore-source downpayment. Currency conversion is its own line item: work with a broker who can lock SGD/CNY on the OTP date rather than at completion 10 weeks later.对于没有新加坡纳税记录的中国大陆买家,银行通常以物业估值的 50–60% 放款(MAS 对非居民首套房表面上限为 75%,但在没有强劲新加坡收入的情况下,审批很难触及上限)。贷款需要提供中国纳税申报、企业主则需审计报告、一个用于每月还款的新加坡银行账户,以及至少 25% 来自新加坡境内的首付资金。换汇是单独一项:建议找能在 OTP 当日锁定 SGD/CNY 汇率的换汇经纪,而不是等到 10 周后交割时再换。

ABSD reality: the 60% lineABSD 现实:60% 这条线

ABSD is the single biggest cost line for any Chinese buyer in Singapore. Foreigners pay 60% on the purchase price as of May 2026. On a S$2M condo, that is S$1.2 million in cash, due within 14 days of exercising the Option to Purchase. Combined with BSD of S$69,600, the total stamp duty alone is approximately S$1.27M. The full breakdown (rates by buyer profile, FTA exemptions that drop the rate to Singaporean levels, the matrimonial-home remission) lives in the full ABSD 2026 guide. Run the number on your specific budget before you start viewing.对任何中国买家而言,ABSD 都是新加坡置业里最大的一笔成本。截至 2026 年 5 月,外国人按购置价缴 60%,一套 S$2M 的公寓即 S$120 万现金,需在行使 OTP 后 14 天内缴清。再加上 BSD 的 S$69,600,光印花税合计约 S$127 万。完整解读(各类身份的税率、可降至新加坡公民档的 FTA 减免、夫妻共同住宅减免)见ABSD 2026 完整指南。开始看房前,务必先按你自己的预算把这笔数算清。

Conveyancing in Mandarin (sort of)中文产权转让(某种程度上)

All Singapore conveyancing is formally English: the OTP, the Sale and Purchase Agreement, the mortgage offer, and the title transfer are English-only documents. For clients more comfortable in 中文, I read through the OTP clause-by-clause in Mandarin before signing and refer to one of two bilingual property law firms I trust for the formal review. Legal fee budget: roughly S$2,500–3,500 for a straightforward private resale; slightly more for a new-launch SPA.新加坡的产权转让在法律层面全部使用英文:OTP、买卖协议(SPA)、贷款合同、产权转让契据,都是英文文件。对于更习惯中文的客户,我会在签约前用中文与你逐条过 OTP,并把正式审阅交给我合作的两家双语房产律所之一。律师费预算:私宅二手房约 S$2,500–3,500;新盘 SPA 略高。

On a 2024 deal where the buyer was Shenzhen-based and could only fly in for the OTP signing, the entire viewing process happened on WeChat video: 90 minutes inspecting balcony seals on a unit I was physically standing in. The deal closed on the second video call. Real estate has been remote-first for Chinese buyers in Singapore since 2020. It works, you just need an agent who is set up for it.2024 年的一笔成交,买家在深圳,只能为 OTP 签约飞一趟。整个看房过程都在微信视频上完成:一次 90 分钟,我站在房子里逐处查看阳台密封条。第二次视频通话就成交了。对中国买家来说,新加坡置业从 2020 年起就已经远程优先。这条路可行,关键是你的经纪是否真的准备好这样工作。