9 Answers


This is forward planning as they have plans to get another property in the future next time. This allows the 1% owner to be able to sell his/her share when they find their next suitable property at minimized costs, as the Seller Stamp Duty and Buyer Stamp Duty are based on the market value of 1% ownership transfer. The CPF utilized + accrued interest of the outgoing owner has to be refunded by the remaining owner. Legal fees of approx 5k to 6k during decoupling applies, and the remaining owner must be able to service the bank loan on his/her own financial capability as well.

99 & 1 ownership is not for every couple as there may be complications if relations sour. Happy to share more and I am contactable at 97432395  for further discussion.

Hope the above clarifies. May I have more info and requirements about your plans so as to make better recommendations? Thanks and look forward to value-add to your housing plans.

Warm Regards,

Ivan Ng Realtor
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Mr & Mrs Wee : We would like to share our appreciation and commendation to Ivan for their professionalism and dedication in handling our property transaction. It was a great pleasure to work with him as he was patient throughout the entire process and explained to us and clarified any doubts we had without fail. He was also very prompt in responding to all the queries we had. While we were unsure if we were able to sell off the property in time, Ivan constantly reassured us that it was possible and offered his professional advice. In fact, he managed to secure an offer to sell the property above our expected price while concurrently negotiated the buying price for our next property. Having Ivan as our agent significantly made the entire process seamless and fuss-free. We will definitely recommend Ivan to our family and friends.

Mr Wang & Ms Ng : We want to convey our thanks to Ivan, who helped us find our first home. Ivan was very responsive when we first met, and took time to understand our needs and requirements for our first home. He helped us narrow down our criteria and gave us good advice on how to structure our mortgage as well. He also made a great recommendation of an area we never thought of, and it was where we eventually bought our home. We appreciate Ivan's thoroughness in pros and cons of all our options that we viewed. We never felt pressured or rushed to make a decision. In fact, Ivan gave honest and useful inputs on the considerations of acting immediately or waiting. All in all, it was a very smooth experience and we ate very happy with the unit we bought. Thank you very much, Ivan! Read More
Hi, this is usually done in the case of couples who plan to eventually hold another private property in the future. When they first purchase their property, they buy it in the sense of 99 1 to to obtain a high loan amount so they are able to purchase the property. Later on, when they are planning to purchase a second property, they will buy over the share of the 1%, which will incur some legal costs.
Are you planning on doing so? I can assist you in this process.

If you are currently planning to go on a property journey selling/buying/renting/investing, I can be of assistance. Do feel free to reach out to me for more queries and assistance.

Landon Chew
landonchew@email.com Read More
Robbie Chen Chee Howe

I'm not sure where did you get your data from, but from my understanding, the majority of the owner-occupied homes in Singapore are owned under Joint Tenancy.

The reasons why a minority hold it under Tenancy-in-Common with differing shares is probably due to future plans of owning a second home. The cost involved in share transfer include Stamp duties (main reason for 99/1 shareholding) as well as legal conveyancing fees.

I am experienced and well-versed in both HDB and private transactions. I will be able to assist you in your property plans. Please get in touch with me for a more in-depth discussion.

Should you need require further assistance in matters relating to property, please contact me at my mobile +65 97 48 63 05. I will be happy to assess and share with you the possibilities for you in the current market.

Thank you.

Best regards,
Robbie Chen
+65 97 48 63 05
PropNex Realty Read More

I would be most glad to assist you further and pls feel free to let me know if you need any assistance. Have a good day ahead. By the way, such a move is not for every couple and it is especially so if both income are not high and have difficulty sustaining the loan.

Aaron Chong
 9730 8455 
aaronchong2774@yahoo.com.sg Read More
Hi Sir/Mdm,

Property purchases are structured 99/1 because it would allow the 1% owner to exit easily and purchase another property in the future without the need to pay Additional Buyer Stamp Duty. However, 99/1 is not suitable in all situations and some of my clients still structure their purchase as 50/50 with the intention to decouple in the future. This is because in a 99/1 arrangement, the 1% owner will not use his or her CPF towards the house and therefore the cash outlay for the purchase is higher.

For ownership transfer, it will involve legal fees which is about 6k since it is a part sale, part purchase process and the stamp duty based on the market value of the share transferred.

Please feel free to contact me so that I can understand your intentions and explain to you better the structure.

Nick Tan
(M) +65 96 44 48 54
(E) nick96444854@gmail.com
SEAA Salespersons Achievement Platinum Award 2020/2022/2023
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“We have the privilege to work with Nick on our recent house purchase and we are extremely grateful for all the help he rendered to make the purchase a seamless experience!

Nick is attentive to all the requirements we have for our purchase and in the short span of time, he was able to provide us with potential shortlisted units that meet our criteria. (A big lifesaver for family with young kids and limited availability!) When conducting a viewing, Nick is highly proactive as he can be seen taking notes, asking questions, checking the conditions (that we missed or never thought of) and etc.

Overall, Nick remains reactive and portrays professionalism in this entire process. We would definitely recommend him to our friends and family who are looking for their next home/move opportunity.”

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“Nick has conducted himself ethically and professionally when handling the sales of our property. Thanks to his patience and perseverance, we managed to secure a sales price beyond our expectations.
We are very happy and satisfied with his services and will definitely recommend him to our friends and family in the future.”
Mr & Mrs Tan (Seller of Inter-Terrace House) Read More
Such manner of holding is terms as tenancy in common and it allows the 1% ownership owner to exit the property more easily, which will facilitate this exiting owner to purchase another property when time is ripe. Otherwise, the 1% owner could be added in order to obtain sufficient home loan for the property purchase if there is a shortfall of amount by the 99% owner.

I have been in the real estate business since 2009, with more than 14 years of experience serving the Singapore real estate market.

I am very active in the residential segment of Singapore real estate market, having transacted hundreds of deals from HDBs to private condominiums and landed properties in Singapore, and have handled many unique cases in sales and purchases as well as rental deals.

Over the years, I have also established a network reaching out to more than 9,400 expatriates, bringing my market presence to both in and outside of Singapore. This has created an additional exposure when I manage my client's portfolios, on top of the conventional on and offline platforms, where other estate agents are relying on. This has allowed me to consistently convert leads into results.

With an evolving market, where change is the only constant, I have also been investing in upgrading of my knowledge and skills sets to improve myself and meet the demands of current and future market.

We are offering our clients a complimentary first consultation without obligations (Absolutely FREE!). Schedule for your FREE session today!

Warmest regards,
Geryl Lim
Senior Division Associate Director
Email: geryl.lim@orangetee.com / geryl7772@gmail.com
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Hi, appreciate your sharing. Only new condo and decision to purchase over 1% later so that to free 1 name out.
Looking forward to assist you at 9696 4398  or email me at stewartlim96964398@gmail.com

Stewart-PropNex (Senior Associate Division Director) Read More
Unequal Ownership (99%/1%) for Future Move: This strategy involves one spouse owning a minimal share (1%) while the other owns the majority (99%).
Benefit: When the couple buys another property later, the 1% owner can sell their share with potentially lower stamp duties (based on the 1% value).


Loan Eligibility: The remaining owner needs to demonstrate solo financial capability to service the remaining mortgage.
IF you Need Further Help--->> like : Renting / Selling / Buying or Investing Read More