Is Decoupling suitable for you?

1. What is the finance involving decoupling in private?

   
   

   First, determine the % share owned.

   Second, buyer need to have min 5% cash, 20% cpf/cash, 75% of loan to that purchased share. If the 75% loan and the outstanding loan amount of the respective share exceed the buyer max eligible loan amount, the difference has to be paid using buyer cash or cpf and the loan is restructured.

   Third, seller CPF has to be paid using cash.

   Fourth, all the cash payment are done in cashier order instead of cheque.

   
   

For transfer through the way of gift, the property must be fully paid in cash only. Meaning no loan or cpf are to be used. Buyer stamp duty applies upon the share transferred.