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Writer's pictureYan Goh

Is Paying ABSD a Wise Decision for Foreigners

Updated: Jan 20, 2023



Is paying ABSD a wise decision for foreigners?



Many foreigners are interested in buying Singapore properties for investment, education or immigration purposes.


Let us examine the projected returns of ABSD-paying investors.





Average Annual Housing Inflation Over the Past Decade


Over the past decade, private properties (non-landed) grew by 3.85%/annum. Assuming history repeats itself, in 10 years time, a $1m property will be worth $1.38m.


*Not all properties appreciate similarly.


Returns on Equity (Property)

Based on 1.8% interest. 25 years tenure.



Outstanding Loan at 121st Month



Singapore Real Estate

A Good Currency Hedge

*Figures Rounded off

*10 years currency difference (5 Jan 2012 - 5 Jan 2022)

Source: www.xe.com


Benefits of Singapore Properties as An Investment Choice


1. Provides good returns, low volatility and a historical appreciation trend against most global currencies


2. Enables low cost leverage to multiply wealth in a shorter time


3. Enjoy the historical compounding effects of property price inflation for growing wealth

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