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Hi

Not necessary to fully pay down the loan but you have to go through with the bank whether it is feasible to take over his share as you have to take over his share of the loan and also refund the cpf + accrued interest he has utilized for the property. Relevant buyer stamp duties will also be applicable based on the market value of the share of ownership he sells to you. There will be a legal fee of approx 5k to 6k on this as well as 2 law firms need to be involved.

I can do a up a preliminary worksheet for you guys so you know what to expect. Hope the above clarifies. I am well-versed with HDB and private property transactions, having helped more than 100 homeowners transit smoothly with their housing plans. Please reach out to me at 97432395  for a more in-depth discussion :)

May I have more info on your requirements so as to make better recommendations? Thanks and looking forward to chat more

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Dear Owner,
Since you are not selling you do not need an agent to assist you. What you need is a lawyer to do the decoupling. Your loan need not be fully paid back. It can remain the same but the ownership details will be updated to the govt authorities and your bank as well.

Please contact me so that I can be of further assistance.
Cheers!

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

The direct costs would be legal fees and stamp duty fees. The indirect costs would be things like your spouse's CPF + accrued interest in the property that you need to pay to buy-out your spouse completely.

Perhaps more important to you is the fact that the government is going after decouplers whose primary intention is to avoid tax, and they are doing so even in cases where lawyers and agents have advised couples that it was perfectly legal at that time.

Above and beyond the enforcement action, this has already COMPLETELY changed the dynamics of the real estate market and we have already seen MAJOR shifts in optimal investment strategies across different assets based on the sales records in July and August 2025.

If you are still making property decisions based on knowledge or strategies from 2 months ago, it is unlikely to work out without considering these changes.

I'm a Harvard graduated real estate agent with a degree in economics, and I have a decade of experience working on Singapore public policy. I have also supported clients on more than $1 billion in transactions.

I would love to schedule a free consultation to discuss the major shifts and plan your moves correctly if you need any support! Feel free to reach out.

Kay Cloud
The Harvard Educated Agent
Propnex Realty Pte Ltd
cloud@propnex.com
Tel: (+6.5.) 8.5.6.7.4.5.8.5
Whatsapp -> https://wa.me/6585674585 Read More

Hi,

1) The services you need are the bank and lawyers.
2) First, get in touch with the bank you have mortgage with. Let them assess how much you could loan if you wish to solely own the property.
3) They will assess your active income with the current loan (under your belt only; $250k) and provide you a loan amount.
4) You will have to calculate whether this is sufficient to buy over your husband's share.
5) For example,
(a) Let say your property current market value is $2M. The bank can provide a loan of $800k.
(b) You will have to cough out $250k in order to buy over the shares, since the bank can only proivde 75% LTV on a property.
6) You can then proceed with the de-coupling process with the above scenario. This process will need to have 2 lawyers involved; one for buying, and the other for selling. The lawyer you engage will help you to solve this 2 lawyers thingy. So, you only need to find 1 lawyer for the whole process.
7) You may speak to a lawyer first if you are not comfortable to talk to a banker.

All The Best!!!

Hope the above answers your main concerns, but if there are more queries, 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://www.linkedin.com/in/ckling/
https://agents.huttonsgroup.com/R056727F/

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Good day to you.

Given that there is an outstanding loan, it’s important to determine whether the original mortgage provided by the bank was based on one income or two. With decoupling, you will have to work with the bank to reevaluate the mortgage. (Keep in mind that factors such as the remaining lease of the property, the mortgagee's age, and income status are crucial in the assessment.)

Navigating a property transaction can be complex, especially with major life events. As a seasoned property consultant with 15 years of experience, I provide informed guidance on complex property matters.

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This is technically a decoupling process. As the remaining owner, you will need to ensure that you have the necessary finances to:

1) Refund back the CPF monies your spouse have paid for this property plus the accrued interest.
2) Undertake the full loan required to takeover this property as a sole owner.

Check with banker on the finances part perhaps to understand better.

——

I have been in the real estate business since 2009, with more than 15 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 15,900 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!

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Hi, appreciate your sharing. Consider a part purchase over the another share base on what is set up. Able to get legal assistance for you to understand better.
Looking forward to assist you at 9696 4398  or email me at stewartlim96964398@gmail.com

Cheers
Stewart-PropNex (Senior Associate Division Director) Read More

Hi Do contact me at 97970200  to understand more and discuss.

Mark, your RIGHT choice
Propnex Read More

Good morning Karen,

It will be good to work out the numbers before pushing ahead with decoupling.

You must be financial capable to take over the loan and refund whatever CPF OA + accrued interest that your spouse had utilised if any.

Typical costs will be legal fees and stamp duties to take over his ownership.

Best regards,

YT Tan
Property Kaki
You dream. I create. We make it happen!

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1. Check with your bank on how much you can borrow if you take over the property alone.
2. See if that amount is enough to buy your husband’s share.
3. Engage one lawyer to handle both sides of the process smoothly.

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