99-year leasehold vs freehold: what it means for value over time

21 May 2026

Singapore private homes are sold on either a 99-year leasehold or a freehold (or 999-year) title. This guide will explain how tenure affects price, financing, and how a property holds its value as the years pass.

Draft — to be completed. This guide is being written and will be published here soon. In the meantime, see the other property guides.

Written by the Prop Launch editorial team. For a question specific to your situation, you can speak with Gwen Koh, a licensed CEA-registered salesperson (CEA Reg. No. R064840Z) with ERA Realty Network.

This article is general information only and is not financial, legal or property advice. Figures and rules may change; verify current details before relying on them. This is an independent property information site operated by Prop Launch Pte. Ltd. (UEN 202621356R) in support of a licensed CEA salesperson. We are not a property developer and do not handle property transactions.