Advanced Calculator

Decoupling Calculator Singapore 2026

Find out if decoupling saves you ABSD on your next property purchase.

What is decoupling? One co-owner transfers their share to the other, leaving one owner holding the current property. The other owner is then free to buy a new property as a first-time buyer, avoiding ABSD. The transfer triggers BSD and legal fees but can produce significant net savings on higher-priced properties.

Current Property

Current property market value

Outstanding loan

Share being transferred

New Purchase

Citizenship of buyer (new property)

New property purchase price

Decoupling Cost

ABSD Saved

Transfer value (share × property value) -

BSD on share transfer -

Est. legal fees on transfer $3,000 - $5,000

ABSD rate saved (new purchase) -

Net saving from decoupling (est.) -

Decoupling involves legal and financial complexity, including CPF refund obligations and loan re-qualification. Always consult a conveyancing lawyer and financial adviser before proceeding.

Discuss If Decoupling Makes Sense For Me

All calculations are for reference only. Net savings estimates use average legal fees of $4,000. Actual figures depend on specific loan, CPF, and legal circumstances. Consult a licensed financial adviser and conveyancing lawyer before proceeding with decoupling.

Keith Tan Boon Kee · ERA Realty Network · CEA R003793E · Licence L3002382K
WhatsApp: +65 97501055 · WeChat: keithtanbk