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Good day to you.

Decoupling, also known as part-share transfer, for HDB, is solely relevant in cases of divorce, the passing of a co-owner, the inclusion of a co-owner, or financial distress.

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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How you structured the initial HDB purchase might determine your options. I'll be happy to walk you through all your options as well as the associated timelines that you might make the right property moves.

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.

Feel free to reach out via whatsapp or email through my contact info below.

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

You are unable to decouple for HDB unfortunately unless there is a valid reason to be put forward and approve by HDB. Read More

Hi,

Since your 4-room resale flat was purchased in 2023, the 5-year Minimum Occupation Period (MOP) will only be fulfilled in 2028. Until then, you won’t be able to sell your HDB or buy another private property.

If both of you are listed as owners of the flat, then you’re both tied to the MOP until 2028, and decoupling isn’t possible.

If the flat was purchased under one sole owner with the other listed only as an essential occupier, then after the MOP is met, the occupier can buy a condo under their own name. This way, there’s no ABSD and no need to sell the HDB.

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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Hi Do contact me at 97970200  to understand more and discuss.
Mark Ng
 97970200 
Propnex Read More

Hi Ms Goh,

For HDB, you are not allowed to decouple unless in special circumstances such as in the event of a divorce.

After your 5 years MOP, you can consider to upgrade to a dual key unit so that you can rent 1 side of the unit out for rental income while staying in the other side.

Buying 2 units separately is challenging because as a SAHM, you will not be able to secure a bank loan.

Please feel free to contact me if you need any further 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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With his help, we finally managed to sell our unit at a price within our expectations, before the deadline. Nick’s service is top notch – he Read More

Hi,

1) You have to know that the HDB had a new policy in April 2016 to stop married couple from selling their shares to their spouse, aka, decoupling.
2) This policy is only targetted to married couple and not restricting them to sell to other immediate family members.
3) The implementation of ABSD to citizens on their 2nd residential property and decoupling policy had produce a new scenario where a lot of married couple decided to have only a sole owner and the other an occupier status when buying their matrimonial home.
4) You may buy a private residential property after fulfilling the 5 years MOP no matter you have registered as an owner or an occupier.
5) You won't be allowed to decouple when you wish to remain as married couple.

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/

Note:
Any response to our answer does not reach us until we scroll through every query posted daily.
The best way to get a follow-up is to contact us directly via WhatsApp or email. Read More

If your goal is to buy a condo while keeping the HDB, the main considerations will be:
• Loan eligibility: Since only your husband has income, the bank will assess him solely. Grab income may be treated differently from fixed salaried income.
• ABSD: Owning both a HDB and condo means you’ll incur ABSD on the condo purchase, unless one of you disposes of ownership first.
• Funds available: Your $200K cash and $120K CPF is strong, but whether it’s enough depends on the size and price of the condo, plus taxes and stamp duties.

It’s doable in some cases, but not straightforward. Better to get a banker or agent to crunch the numbers for you before making a move. Read More

✔1 Decoupling, or part-share transfer, applies only in specific HDB cases: divorce, death of a co-owner, adding a co-owner, or financial hardship.

✔2 You cannot decouple an HDB property without a valid reason approved by HDB.

“Rules are not necessarily sacred, principles are.” – Franklin D. Roosevelt
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QUOTE OF THE DAY " In negotiations, the most important thing is not to win or lose, but to find a solution that is mutually beneficial." Read More

Hi, appreciate your sharing. For HDB you can't decouple, able to visit you to work out and breakdown for you.
Looking forward to assist you at 9696 4398  or email me at stewartlim96964398@gmail.com

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

I would be glad to assist you.
Feel free to contact me at wa.me/6597100155
Hope to hear from you soon.
Pei Mobile: (65) 9 7 1 0 0 1 5 5.
Email: peicheng.tan@propnex.com
Associate Group Director
Propnex Realty Pte Ltd Read More