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Hi Joey,

It depends on how much loan financing you can get, which in turn determines how much cash you need to come up with. Do note that stamp duties apply as well for the share transferred.

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

Warm Regards,
Ivan Ng ERA ASAP
(ASk Anything Property)
Proactive. Sincerity. Feedback.
SMU BBM (Finance), Magna Cum Laude

Email: Ivanng10@gmail.com
Contact: (+65) 97432395 
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Dear Joey,

Re: Today’s SG Professional Choice- SGAgent.com & SGRealtor.com

Now you shall consult the bank handle your housing loan whether you are eligible to take over the existing loan upon your husband opt out. You also need to consider your husband CPF portion that need to be return with interests upon he transfer his ownership out of the property.

I am contactable at 92222389  or onassis@sgagent.com / sgrealtor.com

In all Areas of Singapore. Sale/Buy/Lease/Rent, Please call and/or drop me an email me. I’m always at your Services.

Onassis Gan | R021244C | Today’s SG Professional l SGAgent.com & SGRealtor.com

EXPERIENCED. PROACTIVE. SINCERITY. FEEDBACK
ACTA (Full); PDCE (Singapore); MSc BIT(Middlesex); BBA (South Australia)

Featured Realtor Services recognition by SGReview.com and SGBride.com

Singapore Line : (+65) 92222389 
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I pledge myself to maintain honesty and uphold integrity, to pursue my profession and education so that I may provide my clients with outstanding services. Read More

Hi Joey, depending on your loan financing if you are able to decouple, you will incur stamp duties and legal fees as well. Do contact me to discuss further and propose some solutions for you

Mark, your RIGHT choice
SRH
 +65 97970200  Read More

Evening,

If none of your either properties involve HDB, the next concern will be if you can perform the decoupling from your partner with the property given to you as "GIFT", since you have indicated that CPF have not being utilized.
Next thing that you have to note is how much loan you will need to undertake for both properties should the first option fail.
Lastly, you will need to know that you will be liable for ABSD of 7%.

Do feel free to contact me for further discussion.

Regards
Mike Lim
 96929209 
m52i@yahoo.com
ERA Read More

Hi Joey,
You can decouple both the properties, the process will be sale and purchase. It includes
- legal fee
- stamp duty & ABSD
- refinancing of the properties

The financing of the 2nd property is max up to 50% of the valuation. Please drop me an email for me to assist you to compute the estimated loan quantum.

To assist and advise you more in details, kindly drop me an email for me to share.

I am contactable at my mobile or email.

CK Ang
 9046 3808 
res.ckang@gmail.com Read More

Good day miss Joey Tan

As per your plans ,

Stamp duty is payable for the market value that is being bought over during the de-coupling process for the two properties.

In addition , ABSD additional buyer stamp duty is payable on the part share that is being bought over because it is a 2nd property .

As per your plans , How much cash you need will depend on the how much the shortfall will be if the bank cannot lend you the entire loan , which is subject to your age and income , please note your husband cannot get a mortage loan on any property that he does not own .

To avoid ABSD , you and your spouse can consider selling both your present property , thereafter , concurrently both of you can each buy a property individually, therefore NO ABSD payable .

Kindly contact me for a no obligations chat for your property needs .

My charges are1% commission for exclusive selling rights to your property or 2% for open listing .

Joanne chia
Chia_joanne@yahoo.com.sg
Hp 8333 3327  Read More