Decoupling Property in Singapore: Is It Worth the Cost

Dollarbackmortgage05 Mar, 2025Finance

Decoupling is a legal process where one co-owner of a property transfers their share to the other co-owner. This allows the seller to free up their name, making them eligible to buy another property as a first-time buyer — without incurring ABSD. Property decoupling can be an effective way to avoid property stamp duties like ABSD, but it comes at a cost. While some couples benefit from this strategy, others may find that CPF refunds, BSD, legal fees, and prepayment penalty fees outweigh the savings.