DECOUPLING

Decoupling is a legal strategy that allows one co-owner of a property (usually a married couple) to transfer their share to the other party. This process enables the selling party to free up their name, allowing them to purchase another property without incurring the Additional Buyer’s Stamp Duty (ABSD) on the new purchase.

It’s commonly used by couples looking to expand their property portfolio while minimizing tax liabilities. 

EQUITY TERM LOAN

An Equity Term Loan in Singapore allows homeowners to unlock the value of their property by borrowing against the equity they’ve built up. This type of loan is secured by your existing property and can be used for various purposes, such as home renovations, investments, or other financial needs.

The loan amount is typically based on the difference between your property’s current market value and the outstanding loan balance, offering a flexible way to access funds while retaining ownership of your home.

PLEDGING

In Singapore, pledging cash involves setting aside a certain amount of liquid funds as security when applying for a home loan. For example, if you pledge $50,000 in cash, this amount is reserved and used as a form of security to secure a higher loan amount from the bank.