Thinking of buying a second property but concerned about Additional Buyer’s Stamp Duty (ABSD)? You may have heard of “decoupling” as a possible strategy—but how does it actually work and is it suitable for everyone?

In this episode of The Property Hard Truths by NeezaNizam, we explain ABSD and decoupling in practical, easy-to-understand terms so homeowners can make better-informed property decisions.

Key points discussed:

• What ABSD is and when it may apply
• How property ownership affects your next purchase
• What decoupling means for married co-owners
• How one party may transfer their ownership share to the other
• The financial, legal and CPF considerations involved
• Why decoupling is not a simple shortcut to avoiding ABSD
• The costs and risks that should be calculated before proceeding
• Why your property strategy must support your family’s long-term financial goals

Decoupling may work in the right circumstances, but it should never be considered based on ABSD savings alone. Your existing loan, CPF usage, available cash, future financing ability and family plans must all be carefully assessed.

Before making any major property decision, sit down with a qualified property consultant and legal professional to understand the complete numbers and implications.

If you are considering your next property move and would like us to assess your options, contact NeezaNizam for a personalised property consultation.

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