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Hi, what are your future property plans moving ahead? Do you wish to continue staying in this property? When she mentioned decoupling from your unit, is the unit still under mortgage? If the unit is currently under mortgage you will have to take over her portion of the loan as well as refund the CPF and accrued interest to her CPF.

The ideal option forward depends greatly on what is your plan in the coming future and what you wish to achieve.

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If you are currently planning to go on a property journey selling/buying/renting/investing, I can be of assistance. Do feel free to reach out to me for more queries and assistance.

Landon Chew
97 39 60 40
landonchew@email.com Read More

Hi,

Is the property still under bank loan? If so, you have to consider if you are able to take over the loan under your sole name, and you also have to buy over your sister's share at market valuation (refund her cpf, redeem her share of the outstanding loan, pay the relevant stamp duties and legal fees etc.).

I suggest to try to calculate both scenarios of buying over her share and selling the whole condo to ascertain which way is best way forward. I will be happy to provide detailed financial calculation so you can have a good idea before any next steps.

Hope the above clarifies. I am well-versed with HDB and private property transactions, having helped more than 100 homeowners transit smoothly with their housing plans. Please reach out to me at 97432395  for a more in-depth discussion :)

May I have more info on your requirements so as to make better recommendations? Thanks and looking forward to chat more

Warm Regards,

Ivan Ng Realtor
ERA Senior Marketing Director
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Hi,

I would be most glad to assist you further and pls feel free to let me know if you need any assistance. Have a good day ahead. By the way, do you have any intention to buy over your sister’s share then?

Regards
Aaron Chong
 9730 8455 
aaronchong2774@yahoo.com.sg Read More

Hi, appreciate your sharing. Able to breakdown the cost for you. Both require time and funds, best to sit down to discuss the best option moving forward.
Looking forward to assist you at 9696 4398  or email me at stewartlim96964398@gmail.com

Cheers
Stewart-PropNex (Senior Associate Division Director) Read More

1. What are your long-term plans for the property? Do you intend to stay there?
2. If the property is still under mortgage, you would need to take over the loan and refund your sister's CPF contributions, including any accrued interest.
3. It's important to assess whether you can assume the loan alone and buy out your sister’s share at market value, covering CPF refunds, the outstanding loan balance, stamp duties, and legal fees.

I can assist with detailed financial calculations to guide your decision.

*"In the middle of difficulty lies opportunity."* – Albert Einstein

WhatsApp me at: ABLE Toh (65) 9856-9255  or through this link.:https://wa.me/6598569255
----------------------------888--------------------------------888--------------------------->>>
"If you need more assistance with property matters:
like renting / selling, buying / or investing, I'm here to help!
WhatsApp me at: ABLE Toh (65) 9856*9255 or through this link.:https://wa.me/6598569255
(Unfortunately, this platform doesn't allow direct contact, but you can easily reach me )

(***) You can READ my REVIEWS here: https://www.propertyguru.com.sg/agent/able-s-k-toh-61591.

For PRIVATE Home Buyers, I offer solutions for sourcing resale and new PRIVATE homes at ZERO charge (Because Most PRIVATE seller Agent are willing to share commission with Buyer Agent)

I can connect you with reputable bankers for private housing loans free of charge and with no obligation.

I also have partners to assist with mortgage home insurance matters.

Let's seal this affinity by technology; please PM me your contact for assistance with your real estate needs. So, I believe in Affinity (Chinese word: 缘份） :), let's SEAL this AFFINITY Not by blood but by Technology > Please PM, Private Message your contact so that I CAN BE (EXTRA) PAIR OF HANDS / BRAIN and LEGS to Assist you NOW or FUTURE REAL ESTATE NEEDS!

*** You can reach me at my Singapore mobile: (65) 9856 9255  or email me at Able.selling@gmail.com.

From: ABLE Toh- Your Property ASSISTANT : ）
“ i am ABLE to Help As Much As You are ABLE To PM (Private Message) me ”

*** DEVELOPER SALES TEAM !!! BEST PRICES !!! NO AGENT FEES !! LOWEST PRICE GUARANTEED !!!
*** Connect Singapore Line: (65) 9856*9255
FOR : UPDATED INFO / E- BROCHURE / FLOOR PLAN / PRICE LIST !!!
*** Here are some exciting condominium launches in Singapore scheduled between June and December 2024:

<< Sora >> - Located at Yuan Ching Road in District 22, this 99-year leasehold development is set to preview in June 2024. Sora offers a mix of modern amenities and scenic views near Jurong Lake.
<< Kassia >> A freehold development in District 17 at Flora Drive, set to launch in July 2024. Kassia is designed for those who appreciate luxury living in a serene environment.

<< 8@BT >> This 99-year leasehold property at Bukit Timah (District 21) is expected to launch in September 2024. It caters to families looking for prestigious schools and nature reserves nearby.

<< Newport Residences >> A highly anticipated freehold development in District 2 at Anson Road, launching in Q4 2024. It combines luxury living with proximity to the Central Business District.

<< Skywaters Residences >> Situated at Shenton Way (District 1), this 99-year leasehold project is ideal for those seeking a prime location near Marina Bay and the financial district, with a launch expected in late 2024.

<< The Chuan Park >> Launching in Q3 2024
Right next to Lorong Chuan MRT on Circle Line and close proximity to Serangoon.

LASTLY , For Newly TOP Condominium that Need RENT / SELL FAST *** Connect Trusted Singapore Property Agent , Myself
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XXXXX The End XXXXXXX Read More

Hi Sir/Madam

Scenario 1 - Selling:
1. Have you hold your private property for longer than 3 years? As if it is less than 3 years seller stamp duty will apply

2. Pricing Strategy
Selling price will be depend on level, facing, condition of unit, etc
Appreciate if you can contact me at (65) 9660.8508 with details of your unit so I can advise accordingly

3. You can assess if there is any possibility of capital growth by continuing to hold onto the property.

Scenario 2 - Decouple
1. There are several fees associated with the decoupling process:
- You will need to assume responsibility for her share of the mortgage if the unit is still under loan.
- You are required to reimburse her share of CPF funds for the property along with the accumulated interest to her CPF account.
- buyer stamp duty will be payable for the buy over portion
- lawyer fee
- valuation fee, etc

2. Do you intend to hold the property for longer period after decouple?

I suggest to try to calculate both scenarios of buying over her share and selling the condo to ascertain which way is best way forward.
I will be happy to provide detailed financial calculation so you can have a good idea before any next steps.
We will be glad to guide you through the entire process, we are here to provide you with expert advice and assistance every step of the way.

I will be glad to assist, I am well versed in private property and has done many transactions
I hope the above clarifies, please feel free to contact me at (65) 9660.8508 so I can explain further
Appreciate if you can contact me at (65) 9 6 6 0 8 5 0 8 with details of your unit
or click here https://bit.ly/WaSilvia to whatsapp me for no obligation discussion

Don't hesitate to reach out to us for a smooth and seamless transaction
Thank you.

Warmest regards,

Silvia Yang

Senior Marketing Director
ERA Realty Network Pte Ltd
Mobile: (65) 9 6 6 0 8 5 0 8
Email: Silviayang8@gmail.com Read More

For decoupling, you need to ensure that you have the necessary finances to buy over her shares as well as undertake the loan independently. Otherwise, the only option is to sell off this unit.

——

I have been in the real estate business since 2009, with more than 14 years of experience serving the Singapore real estate market.

I am very active in the residential segment of Singapore real estate market, having transacted hundreds of deals from HDBs to private condominiums and landed properties in Singapore, and have handled many unique cases in sales and purchases as well as rental deals.

Over the years, I have also established a network reaching out to more than 9,400 expatriates, bringing my market presence to both in and outside of Singapore. This has created an additional exposure when I manage my client's portfolios, on top of the conventional on and offline platforms, where other estate agents are relying on. This has allowed me to consistently convert leads into results.

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Hi,

I would be most glad to assist you further and pls feel free to let me know if you need any assistance. Have a good day ahead.

Regards
Aaron Chong
 9730 8455 
aaronchong2774@yahoo.com.sg Read More

Good day to you,

The first hurdle is to understand if you can obtain sufficient funds to buy over your sister's share of the unit and repay her what she has contributed.
If not, the best option is to sell it and move onto something viable.

Navigate Property Decisions with Confidence

With over 15 years of experience in Singapore's residential property sales and purchase (S&P) cases, I understand the complexities involved in the process. I aim to guide you every step of the way with clear communication, ensuring that all parties are legally represented and protected.

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Regards
Mike Lim
 96929209 
R026708F
m52i@yahoo.com
ERA Read More

Associated Costs: Decoupling involves several fees:
Assuming responsibility for the existing mortgage if there’s an outstanding loan.
Reimbursing her CPF funds plus accumulated interest.
Paying buyer stamp duty on the portion you’re purchasing.
Additional fees like legal and valuation costs.
Long-Term Plans: Do you plan to keep the property after decoupling, or will you sell it eventually?
Recommendation: It’s a good idea to evaluate both options — buying her share or selling the property — to determine which is the most financially viable. I can provide a detailed financial breakdown to help you make an informed decision.

"The only way to do great work is to love what you do." — Steve Jobs

WhatsApp me at: ABLE Toh (65) 9856-9255  or through this link.:https://wa.me/6598569255
----------------------------888--------------------------------888--------------------------->>>
"If you need more assistance with property matters:
like renting / selling, buying / or investing, I'm here to help!
WhatsApp me at: ABLE Toh (65) 9856*9255 or through this link.:https://wa.me/6598569255
(Unfortunately, this platform doesn't allow direct contact, but you can easily reach me )

(***) You can READ my REVIEWS here: https://www.propertyguru.com.sg/agent/able-s-k-toh-61591.

For PRIVATE Home Buyers, I offer solutions for sourcing resale and new PRIVATE homes at ZERO charge (Because Most PRIVATE seller Agent are willing to share commission with Buyer Agent)

I can connect you with reputable bankers for private housing loans free of charge and with no obligation.

I also have partners to assist with mortgage home insurance matters.

Let's seal this affinity by technology; please PM me your contact for assistance with your real estate needs. So, I believe in Affinity (Chinese word: 缘份） :), let's SEAL this AFFINITY Not by blood but by Technology > Please PM, Private Message your contact so that I CAN BE (EXTRA) PAIR OF HANDS / BRAIN and LEGS to Assist you NOW or FUTURE REAL ESTATE NEEDS!

*** You can reach me at my Singapore mobile: (65) 9856 9255  or email me at Able.selling@gmail.com.

From: ABLE Toh- Your Property ASSISTANT : ）
“ i am ABLE to Help As Much As You are ABLE To PM (Private Message) me ”

*** DEVELOPER SALES TEAM !!! BEST PRICES !!! NO AGENT FEES !! LOWEST PRICE GUARANTEED !!!
*** Connect Singapore Line: (65) 9856*9255
FOR : UPDATED INFO / E- BROCHURE / FLOOR PLAN / PRICE LIST !!!
*** Here are some exciting condominium launches in Singapore scheduled between June and December 2024:

> - Located at Yuan Ching Road in District 22, this 99-year leasehold development is set to preview in June 2024. Sora offers a mix of modern amenities and scenic views near Jurong Lake.
> A freehold development in District 17 at Flora Drive, set to launch in July 2024. Kassia is designed for those who appreciate luxury living in a serene environment.

> This 99-year leasehold property at Bukit Timah (District 21) is expected to launch in September 2024. It caters to families looking for prestigious schools and nature reserves nearby.

> A highly anticipated freehold development in District 2 at Anson Road, launching in Q4 2024. It combines luxury living with proximity to the Central Business District.

> Situated at Shenton Way (District 1), this 99-year leasehold project is ideal for those seeking a prime location near Marina Bay and the financial district, with a launch expected in late 2024.

> Launching in Q3 2024
Right next to Lorong Chuan MRT on Circle Line and close proximity to Serangoon.

LASTLY , For Newly TOP Condominium that Need RENT / SELL FAST *** Connect Trusted Singapore Property Agent , Myself
At ABLE Toh*** 9856-9255  ***
XXXXX The End XXXXXXX
As I always say, "Success is the sum of small efforts, repeated day in and day out." — Robert Collier

QUOTE OF THE DAY Read More

WhatsApp me at: ABLE Toh (65) 9856-9255  or through this link.:https://wa.me/6598569255
----------------------------888--------------------------------888--------------------------->>>
(1) "If you need more assistance with property matters:
like renting / selling, buying / or investing, I'm here to help!
WhatsApp me at: ABLE Toh (65) 9856*9255 or through this link.:https://wa.me/6598569255
(Unfortunately, this platform doesn't allow direct contact, but you can easily reach me )

(2) (***) ✅✅ You can READ my REVIEWS here:
✅✅ https://www.propertyguru.com.sg/agent/able-s-k-toh-61591.

(3) ✅✅ For PRIVATE Home Buyers, I offer solutions for sourcing resale and new PRIVATE homes at ✅✅ ZERO charge (Because Most PRIVATE seller Agent are willing to share commission with Buyer Agent)

*** You can reach me at my Singapore mobile: (65) 9856 9255  or email me at Able.selling@gmail.com.

From: ABLE Toh- Your Property ASSISTANT : ）
“ i am ABLE to Help As Much As You are ABLE To PM (Private Message) me ”
=========
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*** Connect Singapore Line: (65) 9856*9255
FOR : UPDATED INFO / E- BROCHURE / FLOOR PLAN / PRICE LIST!!!

QUOTE OF THE DAY " In negotiations, the most important thing is not to win or lose, but to find a solution that is mutually beneficial." Read More