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Afternoon,

Yes decoupling could be one of the options but whether it makes commercial sense depends on the individual circumstances and comfort level in terms of finances and lifestyle. Another option is also to sell off the current EC and purchase properties individually. It will be good to have an in person discussion to explore all the possible options, and the corresponding pros and cons.

I have worked on similar cases and will be happy to share my inputs. 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 Realtor
ERA Senior Marketing Director
ERA Top 600 Achievers in Year 2017 (Top 10%)
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Dear sir,

It is indeed one of the major consideration for 2nd property buyers in terms of the Additional Buyer's Stamp Duty that is applicable, therefore I have encountered many of these buyers going for options like decoupling to move things forward.

Nevertheless, I strongly encourage all prospects to exercise financial prudence in doing so given the economic uncertainties. If I may understand the type of property you are targeting for your next purchase, we can perhaps work out the numbers to determine if it is a feasible cause for any decoupling to be done.

I have been in the real estate business since 2009, with more than 10years 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 8,500 expatriates, bringing my market presence to both in and outside of Singapore. This has created an additional exposure when I manage my clients’ 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.

Please feel free to reach me from my website www.geryllim.com or connect with me directly on my mobile phone at 81577565  .

I look very much to hear from you soon.

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Regards,

Geryl LIM
Consultant - Director
Century 21
CEA Reg R014783H
www.geryllim.com
Mobile: +65-81577565  /+65-92787772
Email: geryl7772@gmail.com

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HI Mr HLL

You may want to text 9620 0827  for a casual chat. There are different types of investment property. It will depend much on your comfort level towards each type of investments.

Call 9620 0827  for a chat.

Gavin Read More

Hi,

Have you consider selling your MOP EC and then buy 2 subsequently? Drop me a message @ 8118 4108  .

Regards,
Nicholas Read More

Hi there Sir,

Thanks for your query.
I do understand your concerns, hence, financial security and prudence must be factored for. In your case, it will be best to churn out a report based on the succinct financial calculations to be ascertained - based on your selling price and expected purchase price of your new home. It is an intricate process , hence, we should meet up to discuss this. It is of non obligation of course. I do conduct free consultations with testimonials available on my website. We will go over the marketing of your unit, market insights, transition caveats and list of potential capital gain developments you could consider. I have additionally transacted a EM unit in Bishan at Record Price and it was published in the Newspaper (Available on my website). Thank you and hope to hear from you soon.

Visit my website for my recent accolades and testimonials@ www.kumarrai.com.

D Kumar
 +65 96659926 
ERA Associate Division Director

#1 team of ERA in Singapore, Asia Pacific International for 2014/5/6/7

ERA 2015 Q1 Top Achievers (Top1%)
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Overall Top 100 achievers 2014-2018 Read More

Hi!

You are thinking in the right direction and the term decoupling is a casual term used but the actual legal term is resale part share. In a resale part share transactions, there are many factors that would change the plans that you may have, such as the equity build up in the current EC, the loan outstanding and also the amount of CPF used.

I would recommend that you engage a professional realtor to have a discussion to share more about your plans such that more options can be mapped out for you. I can already think of several other options for you to buy a second property without paying ABSD but it depends largely on your current financial position.

I would also like to run thru with you the 3P Framework of Decision Making for Property Purchase, the 6-6-6 Analysis on Planning and also the 4-Circle Framework when scouting and purchasing the next property.

I can be reached at 90034385  and also lynnong.huttons@gmail.com if you would like to have a more in-depth discussion.

Pleased to Inform.

Yours Sincerely,
Lynn ONG | BSc. Real Estate
National University of Singapore Read More

Hi Mr HLL,

There are a few factors that you need to consider when doing the decoupling, ie the loan amount that your spouse are able to take under her name alone, refund of CPF used with accrued interest and many more.. It would be more beneficial to meet up and do a proper calculation and planning before you take that step.. I have successfully helped my clients to restructure their property portfolio by part-share and subsequently acquiring another property for their investment..Do feel free to contact me for non-obligation discussion at your convenience.. Thanks

Rgds;
Lyna Song
Associate Group Director
Propnex Realty Pte Ltd
 96238442 
lynasong@hotmail.com Read More

Dear Client

Good day to you! I would be more than happy to assist you in the house purchase. Regarding your question, there are some ways to avoid paying ABSD, feel free to contact me for further discussion.

Over the past 5 years, i have taught my clients my prone framework that helps my clients systematically identify project to see which is a winning or losing project. I can teach you this framework which other people have benefited in order for you to use this framework yourself to identify projects. You will be empowered to choose your own project after learning this framework!

Feel free to give me a call at 81255537  or email me anytime in order to share with you the latest fact and figures to understand why many people are taking action in today's market and the criterias when buying a private property with great potential up side. Hope to hear from you soon!

Warmest Regards,
Thea Hoi
 81255537 
thea@theahoi.com Read More

Hi Do contact me at 97970200  to discuss more

Mark, your RIGHT choice
Propnex Read More

Hi Sir,

Decoupling is one way to avoid the Additional Buyer Stamp Duty. A few of my clients have managed to do it, however, it is also dependent on whether one of the party is able to take over the outstanding loan fully.

The other way is to sell your EC and each purchase a property individually. Selling upon MOP may be a good time as your EC would have appreciated significantly from your entry price.

Every client's situation is different. Please feel free to contact me so that I can understand your situation better and provide you with a suitable solution.

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

Visit my website to get to know me better:
www.nicktan.com.sg

I was featured recently on Council for Estate Agencies (CEA) Newsletter:
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Testimonial from Satisfied Clients

“I would like to recommend Nick Tan from SRI. Before we engaged Nick, we were working with another agent from a very popular property agency in February 2017. We decided to terminate the contract after 5 weeks of zero viewings and no paper advertisements. Basically he was just waiting for phone calls. We engaged Nick on 20th April and by 10th of May, our unit was sold off. Why Nick? 1. He has good marketing strategies 2. He always kept us posted on what he did (communications!) 3. He made sure we understand the current market situation but he will consistently reassure us that the unit can be sold off 4. He is not greedy and trusting 5. He walks the talk”
Peter & Wendy (Property Seller)

I write to commend Nick Tan (R040814C). When my husband and I first met Nick, we were impressed by his drive, commitment, business acumen and strategical thinking, and decided to engage him. We were not disappointed. Nick sourced for prospective quality buyers in a targeted methodical fashion and was effective in connecting us with serious buyers, notwithstanding the fact that the search primarily took place over Dec – Feb (a traditional lull period). Throughout the transaction, he also gave us helpful advice in various aspects; the advice reflected his personal experience and expertise and was not simply regurgitated from public sources without any value-add. Further, Nick went beyond the call of duty of a competent professional. He had a sense of humanity in the way he interacted with myself and the other parties to the transaction such as my parents. As an example, my newborn daughter was warded into A&E on the completion date of the transaction; the care and concern that Nick showed went beyond the scope of work of an estate agent. I commend Nick for his capabilities and character, and would certainly wish to engage him for future property transactions.
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“We are very grateful to Nick for his extensive marketing efforts. With his comprehensive marketing plan, he helped us to achieve a record selling price within 2 weeks of listing our property for sale! We highly recommend his service to anyone who is keen to sell their properties.”
Mr & Mrs Wong (Property Seller)

“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)

“Nick provides a delightful customer experience from day one when I engage him as my agent to look for a flat of my choice to the completion of the deal. He is competent, resourceful and has a pleasant manner to work with. He is the Agent of my choice in dealing with properties and I would highly recommend him to others who would appreciate an agent that takes care and can give the customer a peaceful mind.”
Susana (Buyer) Read More

Hi Sir,

Yes, you're right, decoupling is one method where you can adopt. However, stamp duty for buying over the shares of your EC is still applicable. The party taking over the EC will need to refund the CPF plus accrued interest paid towards the property by the outging party, and also need to have the income to support the balance loan.

Another option would be to cash out the gains from your EC and restructure your property portfolio.

I would like to meet up with you and your wife to understand more on your family needs. I think it is only fair to you that I understand more before I make you any recommendation.

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

Dear Owner

I have been in the real estate industry for the past 13 years and transact mainly in private residential sale and rental.

As you mentioned, decoupling is a possibility but there are other solutions as well.
Perhaps you can contact me and together, we can discuss and formulate the appropriate strategies for your property portfolio moving forward.

Hope to hear from you soon.

Regards
Jolyn Tan
OrangeTee & Tie Pte Ltd
Mobile : +65-90118028 
Email : jntan1@yahoo.com.sg
Website : www.jolyntanproperties.com Read More

Hi Sir

I will be glad to assist

I won't be able to contact you first as I do not have your contact, appreciate if you can contact me at (65) 96608508  or Silviayang8@gmail.com
or click here http://bit.ly/2tzIQ1a to whatsapp me for no obligation discussion
Thank you.

Warmest regards,

Silvia Yang

PropNex Realty Pte Ltd
Mobile: (65) 9660 8508 
Email: Silviayang8@gmail.com Read More