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Decoupling Property To Invest a Second Property – Will It Benefit You?

Updated: Nov 17, 2022

I am a Real Estate Professional since 1995.

Helping a lot of people to build their wealth through property investment.

Property investment is not only talking about buying and selling.

It needs to have a strategically planning according to an individual profile.

Every case is unique, I have to understand each individual before I can come up with a road map for my client.

"Decoupling", this term now is not a stranger term in Singapore Real Estate Industry.

Many property agents have been giving advice to buyers to "decouple" their existing joint purchase property to free up the other person to avoid the ABSD for 2nd properties.

Especially now when the ABSD for the 2nd property increased from 12% to 17% on 16th December 2021.

Buyer profile

​ABSD rates from 6 July 2018 to 15 Dec 2021

​ABSD rates on or after 16 Dec 2021

Singapore Citizens (SC) buying 1st residential property

Not applicable

​Not applicable

SC buying third and subsequent residential property



SC buying third and subsequent residential property



​Singapore Permanent Residents (SPR) buying first residential property