Moving to Singapore from Islamabad: Your Complete Expat Relocation Guide
Relocating from Islamabad to Singapore represents a significant life transition, but with proper planning and the right resources, the process becomes manageable and rewarding. Whether you're moving for career advancement, business opportunities, or lifestyle changes, Singapore offers expats from Pakistan a dynamic, multicultural environment with excellent infrastructure and economic stability. This guide walks you through every essential step—from visa requirements to finding your first home—helping you navigate your move with confidence.
Understanding Singapore's Visa Options for Pakistani Expats
Before relocating, you'll need to secure the appropriate visa or work pass. Singapore offers several options depending on your professional background and salary level, and your employer typically handles the application process through the Ministry of Manpower (MOM).
The Employment Pass (EP) is designed for professionals, managers, and executives[5]. To qualify, you need to earn at least SGD 5,600 per month (as of 2025, with higher thresholds for older applicants and certain sectors)[5]. This pass is valid for up to two years and allows you to bring your spouse and children under 21 on a Dependent's Pass[4].
The S Pass serves mid-skilled workers in technical roles with a minimum salary requirement of SGD 3,150 per month[3][5]. While more accessible than the EP, S Pass holders can also bring spouses and children under 21 on a Dependent's Pass, though not parents[5].
If you're an entrepreneur, the EntrePass allows foreign entrepreneurs to start a business in Singapore with a viable business plan and meeting specific criteria set by Enterprise Singapore[5]. Once your employer applies and receives approval, you'll get an In-Principle Approval (IPA) letter, which allows you to enter Singapore and complete formalities like medical checks and registration[5].
Processing Timeline and Documentation
The Ministry typically issues In-Principle Approval within three weeks[1]. During this period, gather valid passports with at least six months remaining, original marriage and birth certificates (if applicable), and recent passport photos[1]. Since your documents are issued in Pakistan, you'll need apostille or consular authentication; turnaround can be two to four weeks depending on the issuing country[1]. Arrange certified English translations immediately if any document is in Urdu or another language[1].
After receiving IPA, you'll pay the issuance fee, schedule a medical examination at an approved clinic, and arrange biometric enrollment[1]. Keep digital backups of all documents and maintain organized copies throughout the process[1].
Cost of Living: Islamabad vs. Singapore
Understanding the financial implications of your move is crucial for budgeting. While Singapore is generally more expensive than Islamabad, the higher salaries and economic opportunities often offset increased living costs. Housing typically represents your largest expense—expect to allocate 30-40% of your salary to accommodation. Have up to three months' rent available upfront to secure a rental property[6].
When planning your move, budget for flights, initial setup costs, and three months of living expenses before your first salary arrives[6]. Consider registering with financial platforms that support Pakistani currency transfers to manage money between your home country and Singapore efficiently, minimizing exchange fees.
Finding Your Home: Property Options for Expats
As a foreigner, you have limited options for property ownership in Singapore. Most expats rent rather than buy, which offers flexibility during your initial years. However, if you plan to stay long-term and become a Permanent Resident, property ownership becomes possible.
Rental Market Overview
The rental market offers diverse options across Singapore's neighborhoods. Popular areas for expats include the Central Business District (CBD), East Coast, and suburban areas like Bukit Timah and Clementi. Rental prices vary significantly by location and property type, ranging from SGD 2,500 for a one-bedroom apartment in suburban areas to SGD 6,000+ for similar units in prime locations.
Most landlords require proof of employment, your Employment Pass or S Pass, and references. The standard lease is typically two years, though shorter terms are negotiable. Use Homejourney's property search to explore available rentals across Singapore's neighborhoods and find properties that match your budget and lifestyle preferences.
Property Purchase for Long-Term Residents
If you become a Permanent Resident (PR) after holding an Employment Pass for at least six months, you can purchase property[4]. However, foreigners and PRs pay Additional Buyer's Stamp Duty (ABSD) on residential property purchases. The ABSD rate is 5% on the first SGD 180,000 of the property value, and 10% on the remaining amount, significantly increasing your purchase costs compared to Singapore citizens.
For financing, explore mortgage options through Singapore banks. Visit Homejourney's bank rates page for current mortgage rates and financing options available to foreign buyers and PRs.
Essential Practical Steps for Settling In
Banking and Financial Setup
Opening a Singapore bank account is straightforward with the right documentation. You'll typically need a valid passport, proof of Singapore address (utility bills or phone bills work), your Employment Pass or S Pass, and sometimes a reference or introduction letter[3]. Your employer can often help streamline this process and may have relationships with certain banks[3]. Most banks offer accounts specifically designed for expats, with competitive rates and multi-currency support.
Healthcare and Insurance
Singapore's healthcare system is world-class but expensive. As an expat, you'll need comprehensive health insurance covering hospitalization, outpatient care, and emergency services. Many employers provide health benefits, but verify coverage details. Register with a local clinic for routine healthcare, and familiarize yourself with nearby hospitals in your residential area.
Education for Your Children
If relocating with children, apply for school places early[6]. Singapore offers international schools (following British, American, or IB curricula), local government schools, and private institutions. Popular international schools include Singapore American School, United World College of South East Asia, and Raffles Institution International. School fees range from SGD 20,000 to SGD 40,000+ annually, so budget accordingly.
Transportation and Getting Around
Singapore's public transportation system is efficient and affordable. The MRT (Mass Rapid Transit) connects most neighborhoods, with fares starting from SGD 0.83. Many expats use the MRT for daily commuting. Alternatively, ride-sharing services like Grab are convenient, though more expensive than public transport. Consider purchasing an EZ-Link card for seamless travel across buses and trains.
Building Your Community and Maintaining Connections
Singapore hosts a vibrant Pakistani expat community through various associations, cultural groups, and professional networks. Connecting with fellow expats eases your transition and provides valuable local insights. Many neighborhoods have Pakistani restaurants, halal food options, and cultural centers where you can maintain connections to home while building new friendships.
Direct flights between Islamabad and Singapore typically connect through Middle Eastern hubs (like Doha or Abu Dhabi) with flight times around 7-9 hours total. Regular flights make visiting family feasible, though plan ahead during peak travel seasons.
Tax Obligations and Legal Compliance
As a resident, you must file annual income tax returns and submit taxes bi-annually[6]. Singapore's tax rates are competitive compared to many countries, with progressive rates up to 22% for top earners. Keep your residential address updated with relevant authorities and maintain compliance with immigration regulations[2]. Non-compliance can result in penalties or complications with future residency renewals[2].
Consult with a tax professional familiar with Pakistani-Singapore taxation to understand any obligations in both countries and optimize your tax situation.
Why Pakistani Expats Thrive in Singapore
Pakistani professionals find Singapore attractive for its strong economy, multicultural society, and excellent quality of life. The city-state offers career advancement opportunities across finance, technology, healthcare, and education sectors. English is widely spoken, easing professional and social integration. Additionally, Singapore's safety, reliable infrastructure, and efficient governance create a stable environment for building your career and raising a family.
Many Pakistani expats successfully transition to permanent residency and eventually citizenship, making Singapore a genuine long-term home rather than a temporary posting.
Frequently Asked Questions
Can my spouse work if they come on a Dependent's Pass?
Spouses on a Dependent's Pass can work in Singapore but must obtain their own work pass. They cannot work under the Dependent's Pass itself. Your spouse can apply for an Employment Pass or S Pass if they meet the salary and qualification requirements[5].
How long does the Dependent's Pass application take?
Processing times vary, but it's common for Dependent's Pass applications to take several weeks to a few months[5]. Submit all required documents promptly to avoid delays, including apostilled certificates and certified translations[1].
What's the minimum salary to sponsor my family on a Dependent's Pass?
If you hold an Employment Pass, you must earn at least £3,223 (approximately SGD 5,600) to successfully sponsor dependents[4]. S Pass holders with SGD 3,150 minimum salary can also sponsor spouses and children under 21[5].
Can I buy property as a foreigner in Singapore?
Foreigners cannot purchase landed property (houses, bungalows, or terraced houses) in Singapore. You can purchase condominiums and apartments, but you'll pay ABSD (Additional Buyer's Stamp Duty) of 5-10% on top of standard stamp duty[4]. Most expats prefer renting initially and exploring purchase options after obtaining permanent residency.
How do I maintain my Pakistani bank account while living in Singapore?
You can maintain your Pakistani bank account remotely, though some banks may require periodic visits or specific documentation. Use international money transfer services for efficient currency conversion and transfers between accounts. Many expats maintain accounts in both countries for flexibility and family support purposes.
Your Next Steps: Start Your Singapore Journey with Homejourney
Moving to Singapore from Islamabad is an exciting opportunity for career growth, personal development, and new experiences. By understanding visa requirements, planning your finances, and securing appropriate housing, you'll establish a strong foundation for success.
Ready to explore your new home? Start by browsing available properties on Homejourney's property search platform, where you can filter neighborhoods, price ranges, and property types that match your needs. Our projects directory provides detailed market data and development information across Singapore's most popular expat neighborhoods.
For personalized guidance on your relocation journey, connect with our experienced agents through Homejourney's agent directory. Our team understands the unique needs of international expats and can provide tailored advice on finding your perfect home, understanding market dynamics, and navigating Singapore's property landscape with confidence.
Homejourney is committed to creating a safe, trusted environment for all your property decisions. We verify all information, prioritize transparency, and actively listen to customer feedback to continuously improve your experience. Your successful relocation to Singapore starts here.
