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Burning Questions on ABSD/Decoupling!
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CASE STUDY 1 - HDB UPGRADERS
We thought that apart from just sharing our client’s stories, why not we share about our OWN story first? It would be more convincing hearing it from us as we have already went through the process! In short, we walk the talk!
So here is OUR OWN TRUE STORY and how we have successfully decoupled and planning way ahead for extra savings for rainy days and retirement.
We are in our early 40s now, and as most young couples, got married earlier and went the usual “right of way” to buy our 1st property – 5-room HDB Build To Order(BTO) at Sembawang area. As per all conventional saying goes, “you need to take advantage of the grants government is giving you”. That was the mindset prior to us joining this industry.
But fast forward 8yrs later (including 3yrs to build and waiting another 5 years to reach MOP), we sold our flat. WHY? Where to get such awesome views? Why not fully pay it and be debt free? These were typical questions asked.
In short, we are aware that HDB is a priced possession and commonly thought of as a “safety net”. But being in the industry for years, we did our own research, (which we will be sharing with all of you) we realized the opportunity cost and/or options to be saving while making money was missing. Seeing many clients stuck and having insufficient funds for retirement despite having a fully paid property was also one of our biggest concerns.
Thus, we weighed out our risk, saw the potential and decided to take the leap of faith where we sold our HDB and upgraded to our first private property. We are also in the position for the other party to be ready for the next purchase to avoid any Additional Buyer Stamp Duty (commonly known as ABSD).
However, bear in mind that everyone’s situation is up to the individual based on your comfort level and we are more than happy to discuss further with you!
Case Study 2 : HDB Upgraders - Keep The HDB & Buy Private Property
Of course, we are also aware that there are home owners who would want to keep their HDB due to the following reasons :
1) Prefer bigger space due to their large family size
2) Personal individual preference
3) Sentimental reasons
We completely understand and we are able to assist home owners to retain their HDB, purchase another private property with MINIMAL ABSD.
As Home Owners, you can possibly benefit from our well strategised method and keep your HDB, own a 2nd private property
& leave a legacy to pass on to your children many years down the road.
But of course, every case study is unique and we will need to assess your situation before we can advise further! So do leave us your contact below now to find out on your eligibility!
Case Study 3 : Private Owners - Keep Existing Property & Buy Investment Property
Mr and Mrs Zhang own a private property and they wanted to purchase another private property due to the location. However, Mrs Zhang would like to keep their existing property due to sentimental value and would like to avoid incurring Additional Buyer Stamp Duty (ABSD) as well.
We sat down, assessed their financial situation and importantly to understand their needs and objective. After which, we gave them an overview on the market’s trend and data, the potential upside and opportunities and their risk and safety net most importantly.
They were assured and decoupled their existing property while concurrently purchasing their next private property.
However, bear in mind that everyone’s situation is up to the individual based on your comfort level and we are more than happy to discuss.
Case Study 4 : Multi Property Owners - Own 2 or More Properties & Keen to Buy Another
For buyers who strongly believes in the Singapore property market and is currently having 2 or more properties, do read on to find out how you could own another property with MINIMAL ABSD involved and to be able to save a significant amount of taxes.
Our client, both have already own 2 properties and they wanted to get 1 more private property for investment purposes.
They were looking for a 2 bedder and through our professional advice and sharing, they secured a private property in an ideal location and also save a significant amount of taxes.
It is all possible with the right strategy and methods, we assisted our clients to reshuffle their assets and save in taxes. However, we do encourage you to leave your contact and speak to us, so we may better assess and advise, ensure that you are able to do so safely!
