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Dear Owner,
1. HDB - co-owners cannot decouple
2. -
3. If your spouse is an essential occupier, she can buy a private apt or condo without ABSD, after MOP
4. If both of you are co-owners, you can only clear outstanding loans but cannot remove any name.

Please contact me directly so that I can explain to you in detail. Sometimes, it is WORTH paying the ABSD to buy good potential investments for the FUTURE.
Cheers!

Elan Govan
MABA (Lancaster)
 90170747 
jayelan@gmail.com
www.goodpropertiesguide.com Read More

Hi Xyng Fei,

I would be most glad to assist you further and please feel free to let me know if you need any assistance. Have a good day ahead. By the way, sorry you can’t decouple or change any status in your case as HDB had closed this loophole and not allowing any HDB owner doing so. And what most of my client does is to sell away the existing HDB and both the couple went ahead to purchase a private property each.

Regards
Aaron Chong
 9730 8455 
aaronchong2774@yahoo.com.sg Read More

Hi Mr Lim,

HDB does not allow decoupling unless there is genuine reason to do so. In the event that you have the approval to do so, then ABSD is not applicable on your wife when she buys the condo given that she is no longer an owner of another residential property. For outstanding loan, you can arrange to take over the existing loan and refund whatever moneys that your wife has paid using her CPF including the accrued interest.

I have been in the real estate business since 2009, with more than 13 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.

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Warmest regards,
Geryl Lim
Associate Group Director
Salesperson Registration No. R014783H
Email: geryl.lim@orangetee.com / geryl7772@gmail.com
OrangeTee & Tie Pte Ltd 430 Lorong 6 Toa Payoh #01-01 OrangeTee Building Singapore 319402
Estate Agent Licence No. L3009250K
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Hi Xyng Fei,

Unfortunately you can't do "decoupling" for HDB, it is called change of ownership for HDB and it is no longer allowed unless for special circumstances scenario such as divorce or financial hardship.

To own 2 properties, one way could be to sell the HDB and purchase 2 private properties under individual names. This will minimize the upfront costs. Another way could be to purchase a resale HDB and go for the owner-occupier method, but that will mean another MOP of 5 years and assuming regulations do not change thereafter.

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
ERA Senior Marketing Director
ERA Diamond Achiever

SEAA Salesperson Achievement Award 2021 (Gold)
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Hi Ms Lim,

For HDB, it is not possible to decouple and change your spouse to be an essential occupier regardless of whether there is an outstanding loan. Therefore, most people will sell the current HDB to upgrade to a private property as the ABSD is quite a significant amount.

This is a good opportunity to upgrade as the HDB price is at a high and therefore you will be able to get a good price for your HDB flat. Please feel free to contact me so that I can understand your requirements and assist you further.

Regards,
Nick Tan
(M) +65 9644 4854 
B.Eng(Chemical)(Hons)(NUS) / Cert-in-REA
(E) nick96444854@gmail.com
SEAA Salespersons Achievement Platinum Award 2020

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Susana (Buyer) Read More

Hi Xying Fei,

1) HDB does not allow couple owners to decouple thus this option is out.
2) Same as (1)
3) If you are SC/SC or SC/SPR family then your spouse can buy a condo. She will be subject to ABSD according to the count of 2nd property.
4) Since decoupling is not an option, thus I will touch on the loan amount. She still has an outstanding loan in the current HDB flat. Her loan will be limited to 45% LTV.
5) If you deem to gain from property the best option would be to upgrade to an EC because it will be a lower quantum compared to the private.
6) You should make a significant amount from the EC by the time you decided to retire and shift back to HDB.

Hope the above answer your main concerns, but if there are more query, please feel free to contact me at 90110636  , or email: ling.ck7@gmail.com if more information is needed.
I'll be glad to assist.

Best regards
Ling CK
 90110636 
ling.ck7@gmail.com
https://R056727F.propnex.net/
https://www.facebook.com/Homesellerbuyer

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Dear Xyng Fei,

Hi, I am Brendan!

Unfortunately, decoupling (or change of ownership) is not allowed for HDB unless special circumstances.

If your finances allows, you may consider selling your HDB and buy 2 private properties under each person name without paying ABSD.
Recently i had helped a client restructure their property asset such that they sold off their HDB for a good profit and bought 2 private properties, 1 for own stay and 1 for investment.

If you will like to find out more, pls contact me at 9754 5207  .
Or Whatsapp me by clicking this link: wa.me/6597545207 which will direct you to open Whatsapp on your mobile phone.

Thank you!
Brendan Bay, ERA
 +65 9754 5207 
wa.me/6597545207
bay.binhao@gmail.com Read More

Hi , Do contact me at 97970200  to discuss more

Mark, your RIGHT choice
Propnex Read More

Hi Lim,

I regret to inform you that it is not possible to decouple from HDB flat.

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 9748 6305  . I will be happy to assess and share with you the possibilities for you in the current market.

Thank you.

Best regards,
Robbie Chen
 9748 6305 
PropNex Realty Read More