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Burning Questions on ABSD/Decoupling!

**Tap To Answer Your Top Questions**


Q : What is ABSD?


A : ABSD is known as Additional Buyer's Stamp Duty which is a property tax that’s levied on top of Buyer's Stamp Duty. (a tax that property buyers have to pay when they buy another property).


Q : If I own a HDB which is coming to 5 years MOP/more than 5 years, what can I do now?



A : We have a few options where you can upgrade from your current HDB or even the possibility of buying properties with rental income. However, we would need more information (eg current outstanding loan, financial risk assessment) to assess the feasibilty as well.


Q : Do I have to pay any consultation fees or are there any hidden costs involved?


A : Of Course NOT. We highly believe in working on a win-win/ transparent relationship and we provide a complimentary consultation with a customised detailed risk assessment report for you as well.


Q :What is Decoupling then?



A : Decoupling is the process where one co-owner of a property transfers his or own share to other co-owner ( in the most common situation of a property co-owned by 2 persons). 


Q : Is it possible to own 2 properties without incurring Additional Buyer Stamp Duty (ABSD)?


A : Yes, it is possible and we have assisted various clients from various different backgrounds to grow their asset portfolio which you may relate to some of the real case studies below!


Q : If I own only 1 private property now, what are my options?


A : We have 3 different options for you, but before we proceed, we need more information from you (e.g. your property info, financial assessment) from you so that we can propose the most suitable option for you.

Case Study 1


We thought that apart from just sharing our client’s stories, why not we share about our OWN story first? It would be more convincing hearing it from us as we have already went through the process! In short, we walk the talk! 

So here is OUR OWN TRUE STORY and how we have successfully decoupled and planning way ahead for extra savings for rainy days and retirement. 

We are in our early 40s now, and as most young couples, got married earlier and went the usual “right of way” to buy our 1st property – 5-room HDB Build To Order(BTO) at Sembawang area. As per all conventional saying goes, “you need to take advantage of the grants government is giving you”. That was the mindset prior to us joining this industry.

But fast forward 8yrs later (including 3yrs to build and waiting another 5 years to reach MOP), we sold our flat. WHY? Where to get such awesome views? Why not fully pay it and be debt free? These were typical questions asked. 

In short, we are aware that HDB is a priced possession and commonly thought of as a “safety net”. But being in the industry for years, we did our own research,  (which we will be sharing with all of you) we realized the opportunity cost and/or options to be saving while making money was missing. Seeing many clients stuck and having insufficient funds for retirement despite having a fully paid property was also one of our biggest concerns. 

Thus, we weighed out our risk, saw the potential and decided to take the leap of faith where we sold our HDB and upgraded to our first private property. We  are also in the position for the other party to be ready for the next purchase to avoid any Additional Buyer Stamp Duty (commonly known as ABSD).

However, bear in mind that everyone’s situation is up to the individual based on your comfort level and we are more than happy to discuss further with you!

Case Study 2

Case Study 2 : HDB Upgraders - Keep The HDB & Buy Private Property

Of course, we are also aware that there are home owners who would want to keep their HDB due to the following reasons :  

1) Prefer bigger space due to their large family size 

2) Personal individual preference

3) Sentimental reasons

We completely understand and we are able to assist home owners to retain their HDB, purchase another private property with MINIMAL ABSD.

As Home Owners, you can possibly benefit from our well strategised method and keep your HDB, own a 2nd private property

& leave a legacy to pass on to your children many years down the road.

But of course, every case study is unique and we will need to assess your situation before we can advise further! So do leave us your contact below now to find out on your eligibility! 

Case Study 3

Case Study 3 : Private Owners - Keep Existing Property & Buy Investment Property

Mr and Mrs Zhang own a private property and they wanted to purchase another private property due to the location. However, Mrs Zhang would like to keep their existing property  due to sentimental value and would like to avoid incurring Additional Buyer Stamp Duty (ABSD) as well. 

We sat down, assessed their financial situation and importantly to understand their needs and objective.  After which, we gave them an overview on the market’s trend and data, the potential upside and opportunities and their risk and safety net most importantly.

They were assured and decoupled their existing property while concurrently purchasing their next private property. 

 However, bear in mind that everyone’s situation is up to the individual based on your comfort level and we are more than happy to discuss.

Case Study 4

Case Study 4 : Multi Property Owners - Own 2 or More Properties & Keen to Buy Another

For buyers who strongly believes in the Singapore property market and is currently having 2 or more properties, do read on to find out how you could own another property with MINIMAL ABSD involved and to be able to save a significant amount of taxes.

Our client, both have already own 2 properties and they wanted to get 1 more private  property for investment purposes.

They were looking for a 2 bedder and through our professional advice and sharing, they secured a private property in an ideal location and also save a significant amount of taxes. 

It is all possible with the right strategy and methods, we assisted our clients to reshuffle their assets and save in taxes. However, we do encourage you to leave your contact and speak to us, so we may better assess and advise, ensure that you are able to do so safely!

Now that you are somewhat convinced or interested to find out how to own a 2nd property but you have these


Is this the BEST time to buy?


A : Unfortunately, there is never a BEST TIME to buy but that is why we are here to show you when it could be a good opportunity to enter the market.


Q : Are there any undervalued buys or developer discounts?


A : We have done EXTENSIVE research for you and will show you the relevant but less-known data and share critical market information so that you are well equipped in your decision making.



Buying based on LOGIC or EMOTIONS?


A : Rest assured, we would not want you to break the bank just to own a 2nd property, nor for it to affect your current lifestyle. Everyone should own a 2nd property at their own comfort level. And we will share various risk assesment techniques to ensure that your monthly commitments will be safe/manageable and not overstretched.

Thinking and Asking Yourself Questions won't Change Anything. Get In Touch With Us To Clear Your Doubts & Enquiries With a

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