--- title: 99-year leasehold explained canonical_url: https://propertysignals.ai/guides/99-year-leasehold updated: 2026-09-01 --- # 99-year leasehold explained Canonical HTML guide: The important figure for a buyer is the lease remaining today. The original 99-year term does not restart on resale. ## Remaining lease is not a price forecast PropertySignals uses the illustrative factor `(remaining lease / 99)^0.6` in its Fair PSF comparison signal. Location, condition, supply, demand, financing, buyer age and the specific home also matter. The curve does not value a property or forecast its future price. ## Financing and CPF There is no single remaining-lease threshold that determines a buyer's ability to finance a home. CPF use can depend on the youngest buyer's age and the lease remaining. Check the official CPF calculator and current lender terms for the individual property. ## Renewal, SERS and collective sale Lease renewal is not automatic. SERS is selective and is not a general assurance of redevelopment. A private collective-sale attempt is also not a guaranteed payout. Treat each as a separate, status-dependent scenario. ## Related reading - [Freehold vs leasehold and Fair PSF calculator](https://propertysignals.ai/guides/freehold-vs-leasehold) - [En bloc in Singapore](https://propertysignals.ai/guides/en-bloc) - [SLA lease policy](https://www.sla.gov.sg/lease-policy/) - [HDB SERS](https://www.hdb.gov.sg/managing-my-home/upgrading-and-redevelopment/selective-en-bloc-redevelopment-scheme-sers)