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Hi,

The difference in CPF usage is the main reason why you "lose out" in part share to your ex, unless it's calculated fairly.

The Core Problem:
If your ex buys your half of the house (for $500K), but you’ve put in $400K CPF while she only put in $100K, then:

You must refund $400K to your CPF.
She only needs to refund $100K.
But you're both assumed to be “equal co-owners” — that doesn’t reflect the actual amount each of you contributed.

Why You Lose Out:
In a part-share resale, you only get:
Half the property value ($500K),
But from that, $400K goes straight back to your CPF account (not cash),
And you also pay off half the loan ($100K).
That means you walk away with $0 in cash, even though the house gained value and you contributed much more.

What a Fairer Deal Looks Like:
A fair arrangement must recognize:
Unequal CPF usage (your $400K vs. her $100K),
Profit from the appreciation should be split after refunding CPF and paying off the loan.

If selling to the public:
Each person gets their CPF back first,
Then the remaining cash profit is split 50/50 (e.g., $150K each if $300K cash is left),
That’s fair, regardless of initial CPF usage.

If she wants to buy your share, she should pay:
Your CPF refund = $400K
Your share of the loan = $100K
Plus your share of the net cash profit = $150K
So total = $650K, not just $500K.

Hope this helps,

This platform does not allow me to contact you directly so kindly contact me at https://wa.me/6597261112 I would be glad to assist you further.

Thank you and best regards,

Jenny Tran
Propnex Realty Pte Ltd
(HP) +65 97261112 
(Email) jenny.tran@propnex.com
BSc (Real Estate) (Hons)-NUS

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Samantha (Resale condo buyer) Read More

Sorry to hear about your situation, it does indeed sound unfair to you if you have contributed more to the home.

If you truly wanted to dispute the split, you might have a legal case depending on the ownership structure and your relationship status over time.

There are situations where the party who contributed more could utilize the legal concept of a resulting trust to argue that the property should have been held in the ratio corresponding to their contribution, which in your case could be up to 80% of the property price if you indeed contributed to 80% of all the payments thus far.

You would need to seek professional legal advice for this, feel free to reach out if you need a referral, I can put you in touch.

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. If you're also looking for an agent to support your transaction, I would love to schedule a free consultation to discuss further.

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

Using your example of numbers shared, selling to Public you will get
1) 400k cpf refund
2) 100k home loan cleared
3) 150k cash sale proceeds

For you to arrive at the same state if using option B
She needs to buy at 650k instead.

She can buy over and fund it at max 75% loan (650k x 75%) = 487.5k (assuming her income qualifies), with the balance in her cash and CPF OA available.

The apportionment of sale cash proceeds at 50/50 could be the issue here since your CPF outlay is much higher than hers from the onset, so this could be a point for contention when you work out the issues on the interim judgement for matrimonial property.

If this is a relatively new property, you might also be potentially be giving up future gains in appreciation as well with the part share sale now. So might want to consider that angle.

Typically from most divorce cases I encounter, most divorcing couples (esp those without kids) go for selling on open market as it is the most optimal solution to smoothen the process.

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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Hi,

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, the outgoing party will always be the one losing out cos there be no cash proceeds in this case. And the one who became the sole owner could potentially gain the full sale proceeds in cash upon selling off the flat in the future.

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

Good day to you,

Several concepts need to be addressed:
1) Manner of Holding
2) Court Order
Assuming the property is owned jointly and the court has mandated a 50/50 division, the co-owner must reimburse you for the CPF contributions you made, along with any accrued interest, and take over the $100k loan from you.
If the net equity is positive, the co-owner will require financing of $400k + accrued interest + $200k (clearing off the existing mortgage) + 50% of the net equity amount (your share).
Resale of Part share is a convenient option for the party who intends to retain the unit but that does not mean that the co-owner have the financial capacity to attain it.

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 96929209 
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ERA Read More

50/50 is not a given but will be decided base on mutual agreement. Read More

to add on, the final judgement will also determine how this property will be managed. Read More

Hi Sir/Mdm,

You may need to look at the court order and understand the distribution of assets before you can determine which option is more worth it. Most of my clients prefer to sell on the open market as they are able to try to get the highest possible price and split the sale proceeds equally.

As for part sale, the challenge is often coming up with a fair market valuation and sale price and also determining the compensation to the outgoing party.

I have personally handled many divorce cases before and will be happy to understand more about your situation so that I can provide you with more informed advice and assistance.

Regards,
Nick Tan
(M) +65 96 44 48 54
B.Eng(Chemical)(Hons)(NUS) / Cert-in-REA
(E) nick96444854@gmail.com

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Selling our house was a pretty stressful ordeal, as we have already committed to buying our new home and hence have a timeline to meet. Losing a substantial deposit and worse still, not getting our dream home caused many sleepless nights as we are nearing our deadline. I am very glad we have decided to switch to Nick and seek his help after the dismal performance of our first agent. Not only is Nick very patient in explaining things to us, time and time again he gives us reassurance to allay our w Read More

1. The main issue in part-share sales is how CPF contributions aren’t equally refunded—this often causes one party to “lose out.”
2. For example, if your ex buys your half for \$500K but you put in \$400K CPF while she contributed only \$100K, you must return your full \$400K CPF, while she only refunds \$100K. This doesn’t match your actual input.
3. This means you get half the property’s value but have to give back most of your CPF, plus pay half the outstanding loan, leaving little or no cash gain despite your bigger initial contribution.
4. A fair approach refunds each person’s CPF first, then splits the remaining profit equally.
5. If your ex wants your share, she should pay back your CPF portion, your half of the loan, plus half of the leftover cash gain—adding up to more than just half the property price.

**“Fairness is not giving everyone the same thing, but giving each person what they need.” – Rick Riordan**
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Hi,

1) In fact, selling part share to your ex can be the same as selling the whole on open market.
2) Most of the time, when we are doing part-share selling for the following reasons:
(a) Add or remove names from the property. Thus, usually at the most cost effective manner, and not to burden the buyer(s).
(b) Assist the seller(s) to cash out from the property. The buyer(s) will try to take up as much loan as possible in this case.
3) In your situation, you may engage a valuer to perform a proper valuation on the property. This will give you a fair return from selling your shares.
4) Both will pay their miscellanrous fees for paper work according to the fair value.

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://R056727F.propnex.net/
https://www.facebook.com/Homesellerbuyer

Note:
Any response to our answer does not reach us until we scroll through each and every query posted daily.
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Hi - you may contact me at 8911 8921  to discuss further on your options available.

Sam @ Propnex Read More