Who can buy a home at Amberwood at Holland, including foreigners and companies?
Published · Insights & News
Singapore Citizens, Singapore Permanent Residents, foreigners and companies can all buy a home at Amberwood at Holland, the 212-home condominium at 30 Holland Link in District 10. Foreigners can purchase a condominium unit here without approval, because condominium homes sit outside the restricted landed property rules; what changes from one buyer to the next is the Additional Buyer's Stamp Duty (ABSD) payable and the loan limits that apply, as at October 2026.
This post sets out the ABSD rates by buyer profile, the reliefs open to married couples, and the Monetary Authority of Singapore (MAS) financing rules that shape how much cash and borrowing a purchase involves. The Sales Concierge can walk through how each rule applies to a particular household during a viewing.
Buyer Profiles Welcomed at Amberwood at Holland
Amberwood at Holland is a 99-year leasehold development by Sim Lian JV (Holland) Pte. Ltd., with the lease running from 4 November 2025. Its 212 homes are 3- to 5-bedroom layouts from 872 to 1,572 sq ft, which makes the Amberwood Holland condo a natural fit for families, multi-generational households and buyers relocating to the Holland and Bukit Timah area. Four buyer profiles can purchase:
Singapore Citizens, buying in their own name, jointly with a spouse or with other family members.
Singapore Permanent Residents, on the same basis, with their own ABSD rates.
Foreigners, who may buy a condominium unit at Amberwood at Holland without needing approval.
Entities, such as companies, which pay the entity rate of ABSD on residential property.
Every buyer also pays Buyer's Stamp Duty (BSD) at the progressive residential rates of 1% to 6%, set out on the Amberwood at Holland stamp duty page. ABSD is charged on top of BSD.
ABSD Rates for Amberwood at Holland Buyers, as at October 2026
The ABSD rate depends on the buyer's residency status and on how many residential properties the buyer will own including this purchase. The rates below have applied since 27 April 2023.
Buyer profile
First residential property
Second residential property
Third and subsequent
Singapore Citizen
0%
20%
30%
Singapore Permanent Resident
5%
30%
35%
Foreigner
60%
60%
60%
Entity (e.g. a company)
65%
65%
65%
ABSD rates from 27 April 2023, as at October 2026. Source: IRAS.
A Singapore Citizen buying a first home at Amberwood at Holland therefore pays BSD only. For foreigners and companies, the flat ABSD rate applies regardless of how many properties they own. The Amberwood at Holland stamp duty calculator combines BSD and ABSD for any buyer profile, and the companion post on stamp duty at Amberwood at Holland covers the calculation step by step.
Couple Remission and the Upgrader Refund at Amberwood at Holland
Two reliefs are especially relevant to families buying at Amberwood at Holland.
ABSD remission for married couples
A married couple in which at least one spouse is a Singapore Citizen, buying jointly and owning no other residential property, can apply for ABSD remission. This covers, for example, a citizen married to a Permanent Resident or to a foreign spouse who buy their first home together at Amberwood at Holland.
ABSD refund for upgrading couples
Couples who already own a home and are upgrading pay ABSD on the second property and can then claim a refund once the first home is sold within the stated period: six months from purchase for a completed second home, or six months from TOP for an uncompleted second home. Amberwood at Holland is sold under the progressive payment scheme with an expected TOP in the 2nd quarter of 2029 (subject to authority approval), so the TOP-based window is the one that applies to an upgrader buying here.
IRAS sets strict conditions for both reliefs, so each case follows the current IRAS rules at the date of purchase.
Loan Limits and TDSR for Amberwood at Holland Purchases
Financing for individual buyers at Amberwood at Holland follows the MAS Loan-to-Value (LTV) limits, which depend on how many housing loans the borrower already has and on the loan tenure.
Outstanding housing loans
Maximum LTV
LTV if tenure exceeds 30 years or runs past age 65
Minimum cash down payment
None
75%
55%
5% (10% at 55% LTV)
One
45%
25%
25%
Two or more
35%
15%
25%
MAS residential property loan rules, as at October 2026.
Alongside LTV, the Total Debt Servicing Ratio (TDSR) caps a borrower's total monthly debt repayments at 55% of gross monthly income. Banks assess residential loans using a medium-term interest rate floor of 4%, and the maximum loan tenure is 35 years. The Amberwood at Holland TDSR calculator estimates the loan amount a household can support, while the housing loan information for Amberwood at Holland explains each MAS rule in more detail. An in-principle approval from a bank gives buyers a clear borrowing figure before a booking.
Timing, SSD and Next Steps at Amberwood at Holland
Buyers who plan ahead also factor in Seller's Stamp Duty (SSD). For residential property acquired on or after 4 July 2025, SSD is 16%, 12%, 8% or 4% if the property is sold within one, two, three or four years respectively, and nil after four years, as at October 2026.
Payments at Amberwood at Holland follow the progressive payment scheme: a 5% booking fee in cash when the Option to Purchase is issued, a further 15% on signing the Sale and Purchase Agreement, and the balance in stages through construction, TOP and legal completion. CPF savings and bank loans can be used from the Sale and Purchase Agreement stage onwards. The full stage-by-stage schedule is on the Amberwood at Holland payment scheme page.
BSD and ABSD rates for an Amberwood at Holland purchase, a worked BSD example, remission and refund routes, and SSD holding periods, as at October 2026
The Sales Concierge sends the e-brochure, the full set of sixteen floor plans and the current price list for Amberwood at Holland, and arranges a private viewing of the three show units at the sales gallery at a time that suits you.
