Commercial property
Lending termsDBS publishes up to 80% of property value over 1 to 25 years, either fixed for the first two years or pegged to 3-month compounded SORA. Read 2026-08-18.
Source
Duty ratesIRAS Buyer's Stamp Duty for non-residential property, in force since 15 February 2023. Read 2026-08-18.
Source
Checked against their own exampleOur duty calculation reproduces IRAS's published worked example to the dollar. It is marginal, band by band, not a flat percentage of the price.
The deposit is not the cash you need.
Work out 80% of the price, call the rest your deposit, and you have missed a bill that arrives on completion. Stamp duty on commercial and industrial property is a separate cash cost, and on a seven-figure purchase it runs to tens of thousands.
The difference is S$69,600 of duty, which is 17.40% on top of the deposit you budgeted for.
Work out your own
How the duty is actually charged
Band by band, not as one percentage of the price. Each rate applies only to the slice of value inside its band, so quoting the top rate against the whole purchase overstates the bill considerably.
| Slice of the price | Rate |
|---|---|
| S$180,000 | 1% |
| S$180,000 | 2% |
| S$640,000 | 3% |
| S$500,000 | 4% |
| Everything above that | 5% |
Non-residential property tops out at 5%. Residential carries a further band above that, so do not reuse a residential figure here.
What this does not tell you
The 80% above is what one bank publishes, not an entitlement. What you are actually offered depends on the property, the business behind it and the bank's own view, and a valuation can come in under the price you agreed, which raises the cash you need again. Treat this as the floor of what to budget, not the answer.