{"id":1718,"date":"2025-07-18T12:04:01","date_gmt":"2025-07-18T12:04:01","guid":{"rendered":"https:\/\/sistagging.com\/opalconsult\/?post_type=services&#038;p=1718"},"modified":"2025-09-15T06:40:42","modified_gmt":"2025-09-15T06:40:42","slug":"decoupling-part-purchase","status":"publish","type":"services","link":"https:\/\/sistagging.com\/opalconsult\/service-item\/decoupling-part-purchase\/","title":{"rendered":"Decoupling &#038; Part Purchase"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"1718\" class=\"elementor elementor-1718\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-8d5a61f elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"8d5a61f\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-4e1813e\" data-id=\"4e1813e\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-779d8c6 elementor-widget elementor-widget-page-title\" data-id=\"779d8c6\" data-element_type=\"widget\" data-settings=\"{&quot;align&quot;:&quot;center&quot;}\" data-widget_type=\"page-title.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\n\t\t<div class=\"hfe-page-title hfe-page-title-wrapper elementor-widget-heading\">\n\n\t\t\t\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">\n\t\t\t\t\t\t\t\t\n\t\t\t\tDecoupling &#038; Part Purchase  \n\t\t\t<\/h2 > \n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-4ea118a elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"4ea118a\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-d701904\" data-id=\"d701904\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-26ae177 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"26ae177\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-6f7c013 image-sticky\" data-id=\"6f7c013\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-f8f2f36 elementor-widget elementor-widget-image\" data-id=\"f8f2f36\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"690\" height=\"460\" src=\"https:\/\/sistagging.com\/opalconsult\/wp-content\/uploads\/2025\/07\/What-is-Decoupling_.webp\" class=\"attachment-full size-full wp-image-3684\" alt=\"\" srcset=\"https:\/\/sistagging.com\/opalconsult\/wp-content\/uploads\/2025\/07\/What-is-Decoupling_.webp 690w, https:\/\/sistagging.com\/opalconsult\/wp-content\/uploads\/2025\/07\/What-is-Decoupling_-300x200.webp 300w\" sizes=\"(max-width: 690px) 100vw, 690px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-20bc316\" data-id=\"20bc316\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-397829c elementor-widget elementor-widget-heading\" data-id=\"397829c\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"> What is Decoupling and Part-Purchase?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3aa30e4 elementor-widget elementor-widget-text-editor\" data-id=\"3aa30e4\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>As property prices and taxes rise in Singapore, many couples and joint owners explore <strong>decoupling<\/strong> and <strong>part <\/strong><strong>purchase<\/strong> as strategies to reduce tax liabilities, optimise loan eligibility, and pave the way for future investments.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fe76581 elementor-widget elementor-widget-text-editor\" data-id=\"fe76581\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><strong>Decoupling<\/strong> is when one co &#8211;\u00a0 owner sells his share of a property to the other. The seller becomes a non-owner, freeing them to purchase another property <strong>without paying Additional Buyer\u2019s Stamp Duty (ABSD).<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2fcd171 elementor-widget elementor-widget-text-editor\" data-id=\"2fcd171\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><strong>Part-purchase<\/strong> is the reverse &#8211; when someone buys into an existing property as a co-owner. This can improve loan eligibility by combining incomes and support estate planning. For example: An 80-year-old man bought a property 50 years ago at $500K. Today it\u2019s valued at $3M. His daughter purchased 1% ownership, which enabled them to take a cash-out term loan against the property.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-44c3807 elementor-widget elementor-widget-text-editor\" data-id=\"44c3807\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Both strategies are forms of <strong>strategic restructuring<\/strong> helping property owners optimise ownership for tax savings, loan eligibility, and long-term planning.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-396a999 elementor-hidden-desktop elementor-hidden-tablet elementor-hidden-mobile elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"396a999\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-05fcf56\" data-id=\"05fcf56\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-67163ab elementor-widget elementor-widget-image\" data-id=\"67163ab\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"2560\" height=\"1707\" src=\"https:\/\/sistagging.com\/opalconsult\/wp-content\/uploads\/2025\/07\/pexels-mart-production-7415094-scaled.webp\" class=\"attachment-full size-full wp-image-2833\" alt=\"\" srcset=\"https:\/\/sistagging.com\/opalconsult\/wp-content\/uploads\/2025\/07\/pexels-mart-production-7415094-scaled.webp 2560w, https:\/\/sistagging.com\/opalconsult\/wp-content\/uploads\/2025\/07\/pexels-mart-production-7415094-300x200.webp 300w, https:\/\/sistagging.com\/opalconsult\/wp-content\/uploads\/2025\/07\/pexels-mart-production-7415094-1024x683.webp 1024w, https:\/\/sistagging.com\/opalconsult\/wp-content\/uploads\/2025\/07\/pexels-mart-production-7415094-768x512.webp 768w, https:\/\/sistagging.com\/opalconsult\/wp-content\/uploads\/2025\/07\/pexels-mart-production-7415094-1536x1024.webp 1536w, https:\/\/sistagging.com\/opalconsult\/wp-content\/uploads\/2025\/07\/pexels-mart-production-7415094-2048x1365.webp 2048w\" sizes=\"(max-width: 2560px) 100vw, 2560px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-b4691fa\" data-id=\"b4691fa\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-f6e3e44 elementor-widget elementor-widget-heading\" data-id=\"f6e3e44\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Strategic Restructuring for Long-Term Property Planning<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7ab4087 elementor-widget elementor-widget-text-editor\" data-id=\"7ab4087\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>As property prices and taxes rise in Singapore, many couples or joint owners explore decoupling as a strategy to optimize ownership for retirement planning, reduce tax liabilities, or pave the way for future investments.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-d4b303a row-reverse elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"d4b303a\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-f86d502\" data-id=\"f86d502\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3db2d42 elementor-widget elementor-widget-image\" data-id=\"3db2d42\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"690\" height=\"460\" src=\"https:\/\/sistagging.com\/opalconsult\/wp-content\/uploads\/2025\/07\/When-is-Decoupling-Useful_.webp\" class=\"attachment-full size-full wp-image-3688\" alt=\"\" srcset=\"https:\/\/sistagging.com\/opalconsult\/wp-content\/uploads\/2025\/07\/When-is-Decoupling-Useful_.webp 690w, https:\/\/sistagging.com\/opalconsult\/wp-content\/uploads\/2025\/07\/When-is-Decoupling-Useful_-300x200.webp 300w\" sizes=\"(max-width: 690px) 100vw, 690px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-a3253cc\" data-id=\"a3253cc\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-fbd1e8c elementor-widget elementor-widget-heading\" data-id=\"fbd1e8c\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">When Should You Consider Decoupling or Part Purchase?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1f170dd elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"1f170dd\" data-element_type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" width=\"100\" height=\"100\" x=\"0\" y=\"0\" viewBox=\"0 0 100 100\" style=\"enable-background:new 0 0 512 512\" xml:space=\"preserve\" class=\"\"><g><path d=\"m52.131 4.078 7.142 23.423a19.893 19.893 0 0 0 13.226 13.226l23.423 7.142c2.104.642 2.104 3.62 0 4.262l-23.423 7.142a19.893 19.893 0 0 0-13.226 13.226L52.13 95.922c-.642 2.104-3.62 2.104-4.262 0l-7.142-23.423a19.893 19.893 0 0 0-13.226-13.226L4.078 52.13c-2.104-.642-2.104-3.62 0-4.262l23.423-7.142a19.893 19.893 0 0 0 13.226-13.226L47.87 4.078c.642-2.104 3.62-2.104 4.262 0z\" fill=\"#000000\" opacity=\"1\" data-original=\"#000000\" class=\"\"><\/path><\/g><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">You plan to <strong> buy another residential property <\/strong> and want to avoid ABSD (Decoupling)<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" width=\"100\" height=\"100\" x=\"0\" y=\"0\" viewBox=\"0 0 100 100\" style=\"enable-background:new 0 0 512 512\" xml:space=\"preserve\" class=\"\"><g><path d=\"m52.131 4.078 7.142 23.423a19.893 19.893 0 0 0 13.226 13.226l23.423 7.142c2.104.642 2.104 3.62 0 4.262l-23.423 7.142a19.893 19.893 0 0 0-13.226 13.226L52.13 95.922c-.642 2.104-3.62 2.104-4.262 0l-7.142-23.423a19.893 19.893 0 0 0-13.226-13.226L4.078 52.13c-2.104-.642-2.104-3.62 0-4.262l23.423-7.142a19.893 19.893 0 0 0 13.226-13.226L47.87 4.078c.642-2.104 3.62-2.104 4.262 0z\" fill=\"#000000\" opacity=\"1\" data-original=\"#000000\" class=\"\"><\/path><\/g><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">You need to <strong> share the loan burden <\/strong> due to  income changes (Part-purchase)<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" width=\"100\" height=\"100\" x=\"0\" y=\"0\" viewBox=\"0 0 100 100\" style=\"enable-background:new 0 0 512 512\" xml:space=\"preserve\" class=\"\"><g><path d=\"m52.131 4.078 7.142 23.423a19.893 19.893 0 0 0 13.226 13.226l23.423 7.142c2.104.642 2.104 3.62 0 4.262l-23.423 7.142a19.893 19.893 0 0 0-13.226 13.226L52.13 95.922c-.642 2.104-3.62 2.104-4.262 0l-7.142-23.423a19.893 19.893 0 0 0-13.226-13.226L4.078 52.13c-2.104-.642-2.104-3.62 0-4.262l23.423-7.142a19.893 19.893 0 0 0 13.226-13.226L47.87 4.078c.642-2.104 3.62-2.104 4.262 0z\" fill=\"#000000\" opacity=\"1\" data-original=\"#000000\" class=\"\"><\/path><\/g><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">You want to <strong> optimise loan eligibility <\/strong> (based on  income or credit standing)<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" width=\"100\" height=\"100\" x=\"0\" y=\"0\" viewBox=\"0 0 100 100\" style=\"enable-background:new 0 0 512 512\" xml:space=\"preserve\" class=\"\"><g><path d=\"m52.131 4.078 7.142 23.423a19.893 19.893 0 0 0 13.226 13.226l23.423 7.142c2.104.642 2.104 3.62 0 4.262l-23.423 7.142a19.893 19.893 0 0 0-13.226 13.226L52.13 95.922c-.642 2.104-3.62 2.104-4.262 0l-7.142-23.423a19.893 19.893 0 0 0-13.226-13.226L4.078 52.13c-2.104-.642-2.104-3.62 0-4.262l23.423-7.142a19.893 19.893 0 0 0 13.226-13.226L47.87 4.078c.642-2.104 3.62-2.104 4.262 0z\" fill=\"#000000\" opacity=\"1\" data-original=\"#000000\" class=\"\"><\/path><\/g><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">You\u2019re <strong> reallocating ownership <\/strong> for CPF usage,  financial liability, retirement, or estate planning<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" width=\"100\" height=\"100\" x=\"0\" y=\"0\" viewBox=\"0 0 100 100\" style=\"enable-background:new 0 0 512 512\" xml:space=\"preserve\" class=\"\"><g><path d=\"m52.131 4.078 7.142 23.423a19.893 19.893 0 0 0 13.226 13.226l23.423 7.142c2.104.642 2.104 3.62 0 4.262l-23.423 7.142a19.893 19.893 0 0 0-13.226 13.226L52.13 95.922c-.642 2.104-3.62 2.104-4.262 0l-7.142-23.423a19.893 19.893 0 0 0-13.226-13.226L4.078 52.13c-2.104-.642-2.104-3.62 0-4.262l23.423-7.142a19.893 19.893 0 0 0 13.226-13.226L47.87 4.078c.642-2.104 3.62-2.104 4.262 0z\" fill=\"#000000\" opacity=\"1\" data-original=\"#000000\" class=\"\"><\/path><\/g><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">You wish to <strong> unlock additional term loans <\/strong> (equity  cash-out) after restructuring<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-0474342 row-reverse elementor-hidden-desktop elementor-hidden-tablet elementor-hidden-mobile elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"0474342\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-01bb10b\" data-id=\"01bb10b\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3ee7907 elementor-widget elementor-widget-image\" data-id=\"3ee7907\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"690\" height=\"460\" src=\"https:\/\/sistagging.com\/opalconsult\/wp-content\/uploads\/2025\/07\/What-is-Decoupling_.webp\" class=\"attachment-full size-full wp-image-3684\" alt=\"\" srcset=\"https:\/\/sistagging.com\/opalconsult\/wp-content\/uploads\/2025\/07\/What-is-Decoupling_.webp 690w, https:\/\/sistagging.com\/opalconsult\/wp-content\/uploads\/2025\/07\/What-is-Decoupling_-300x200.webp 300w\" sizes=\"(max-width: 690px) 100vw, 690px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-cae655e\" data-id=\"cae655e\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-d745624 elementor-widget elementor-widget-heading\" data-id=\"d745624\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What is Decoupling?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1b9bd00 mb-0 elementor-widget elementor-widget-text-editor\" data-id=\"1b9bd00\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Decoupling refers to the process where one co-owner transfers their ownership share of a property to the other. The seller becomes a non-owner, which frees them up to purchase a second property <strong>without incurring Additional Buyer\u2019s Stamp Duty (ABSD).<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e537925 mb-0 elementor-widget elementor-widget-text-editor\" data-id=\"e537925\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>For example:<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c75e6c7 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"c75e6c7\" data-element_type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" width=\"512\" height=\"512\" x=\"0\" y=\"0\" viewBox=\"0 0 43.349 43.349\" style=\"enable-background:new 0 0 512 512\" xml:space=\"preserve\" fill-rule=\"evenodd\" class=\"\"><g><path d=\"M18.792 40.467C8.426 40.467 0 32.04 0 21.675S8.426 2.883 18.792 2.883c4.753 0 9.214 1.726 12.689 4.912a34.152 34.152 0 0 0-3.344 2.26 14.836 14.836 0 0 0-9.345-3.294c-8.215 0-14.914 6.699-14.914 14.914s6.699 14.913 14.914 14.913c11.43 0 18.216-12.218 13.3-21.717a51.384 51.384 0 0 1 3.002-2.584c1.645 2.84 2.49 6.061 2.49 9.387 0 10.366-8.426 18.793-18.792 18.793z\" fill=\"#000000\" opacity=\"1\" data-original=\"#000000\"><\/path><path d=\"M19.286 31.335a.502.502 0 0 1-.459-.317c-.035-.07-3.067-7.898-7.756-10.86-.917-.564-1.622-1.163-1.34-2.503.282-1.304 1.163-2.045 2.75-2.397 2.82-.6 5.853 3.772 6.98 5.57 3.95-5.746 11.847-14.772 23.341-15.83.554-.065.76.757.247.987-.176.07-16.606 7.58-23.27 25.068a.563.563 0 0 1-.493.282z\" fill=\"#000000\" opacity=\"1\" data-original=\"#000000\"><\/path><\/g><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Husband and wife jointly own Property A<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" width=\"512\" height=\"512\" x=\"0\" y=\"0\" viewBox=\"0 0 43.349 43.349\" style=\"enable-background:new 0 0 512 512\" xml:space=\"preserve\" fill-rule=\"evenodd\" class=\"\"><g><path d=\"M18.792 40.467C8.426 40.467 0 32.04 0 21.675S8.426 2.883 18.792 2.883c4.753 0 9.214 1.726 12.689 4.912a34.152 34.152 0 0 0-3.344 2.26 14.836 14.836 0 0 0-9.345-3.294c-8.215 0-14.914 6.699-14.914 14.914s6.699 14.913 14.914 14.913c11.43 0 18.216-12.218 13.3-21.717a51.384 51.384 0 0 1 3.002-2.584c1.645 2.84 2.49 6.061 2.49 9.387 0 10.366-8.426 18.793-18.792 18.793z\" fill=\"#000000\" opacity=\"1\" data-original=\"#000000\"><\/path><path d=\"M19.286 31.335a.502.502 0 0 1-.459-.317c-.035-.07-3.067-7.898-7.756-10.86-.917-.564-1.622-1.163-1.34-2.503.282-1.304 1.163-2.045 2.75-2.397 2.82-.6 5.853 3.772 6.98 5.57 3.95-5.746 11.847-14.772 23.341-15.83.554-.065.76.757.247.987-.176.07-16.606 7.58-23.27 25.068a.563.563 0 0 1-.493.282z\" fill=\"#000000\" opacity=\"1\" data-original=\"#000000\"><\/path><\/g><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Husband transfers his share to wife (she becomes sole owner)<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" width=\"512\" height=\"512\" x=\"0\" y=\"0\" viewBox=\"0 0 43.349 43.349\" style=\"enable-background:new 0 0 512 512\" xml:space=\"preserve\" fill-rule=\"evenodd\" class=\"\"><g><path d=\"M18.792 40.467C8.426 40.467 0 32.04 0 21.675S8.426 2.883 18.792 2.883c4.753 0 9.214 1.726 12.689 4.912a34.152 34.152 0 0 0-3.344 2.26 14.836 14.836 0 0 0-9.345-3.294c-8.215 0-14.914 6.699-14.914 14.914s6.699 14.913 14.914 14.913c11.43 0 18.216-12.218 13.3-21.717a51.384 51.384 0 0 1 3.002-2.584c1.645 2.84 2.49 6.061 2.49 9.387 0 10.366-8.426 18.793-18.792 18.793z\" fill=\"#000000\" opacity=\"1\" data-original=\"#000000\"><\/path><path d=\"M19.286 31.335a.502.502 0 0 1-.459-.317c-.035-.07-3.067-7.898-7.756-10.86-.917-.564-1.622-1.163-1.34-2.503.282-1.304 1.163-2.045 2.75-2.397 2.82-.6 5.853 3.772 6.98 5.57 3.95-5.746 11.847-14.772 23.341-15.83.554-.065.76.757.247.987-.176.07-16.606 7.58-23.27 25.068a.563.563 0 0 1-.493.282z\" fill=\"#000000\" opacity=\"1\" data-original=\"#000000\"><\/path><\/g><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Husband buys Property B in his name, avoiding 20% ABSD on second property<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-519f032 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"519f032\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-041c44d image-sticky\" data-id=\"041c44d\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-f5c3934 elementor-widget elementor-widget-image\" data-id=\"f5c3934\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"690\" height=\"460\" src=\"https:\/\/sistagging.com\/opalconsult\/wp-content\/uploads\/2025\/07\/Decoupling-Considerations.webp\" class=\"attachment-full size-full wp-image-3692\" alt=\"\" srcset=\"https:\/\/sistagging.com\/opalconsult\/wp-content\/uploads\/2025\/07\/Decoupling-Considerations.webp 690w, https:\/\/sistagging.com\/opalconsult\/wp-content\/uploads\/2025\/07\/Decoupling-Considerations-300x200.webp 300w\" sizes=\"(max-width: 690px) 100vw, 690px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-885e02f\" data-id=\"885e02f\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-f6eaeb1 elementor-widget elementor-widget-heading\" data-id=\"f6eaeb1\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"> Why Decoupling or Part-Purchase With Dr. Loan?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1a86162 elementor-widget elementor-widget-text-editor\" data-id=\"1a86162\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>\u00a0Decoupling and part &#8211; purchase are complex &#8211; involving stamp duties, CPF refunds, loan restructuring, and legal work. At Dr. Loan, we make the process seamless by:<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d373ac3 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"d373ac3\" data-element_type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" width=\"100\" height=\"100\" x=\"0\" y=\"0\" viewBox=\"0 0 100 100\" style=\"enable-background:new 0 0 512 512\" xml:space=\"preserve\" class=\"\"><g><path d=\"m52.131 4.078 7.142 23.423a19.893 19.893 0 0 0 13.226 13.226l23.423 7.142c2.104.642 2.104 3.62 0 4.262l-23.423 7.142a19.893 19.893 0 0 0-13.226 13.226L52.13 95.922c-.642 2.104-3.62 2.104-4.262 0l-7.142-23.423a19.893 19.893 0 0 0-13.226-13.226L4.078 52.13c-2.104-.642-2.104-3.62 0-4.262l23.423-7.142a19.893 19.893 0 0 0 13.226-13.226L47.87 4.078c.642-2.104 3.62-2.104 4.262 0z\" fill=\"#000000\" opacity=\"1\" data-original=\"#000000\" class=\"\"><\/path><\/g><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"> Structuring your loan for <strong> minimal cash outlay <\/strong><\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" width=\"100\" height=\"100\" x=\"0\" y=\"0\" viewBox=\"0 0 100 100\" style=\"enable-background:new 0 0 512 512\" xml:space=\"preserve\" class=\"\"><g><path d=\"m52.131 4.078 7.142 23.423a19.893 19.893 0 0 0 13.226 13.226l23.423 7.142c2.104.642 2.104 3.62 0 4.262l-23.423 7.142a19.893 19.893 0 0 0-13.226 13.226L52.13 95.922c-.642 2.104-3.62 2.104-4.262 0l-7.142-23.423a19.893 19.893 0 0 0-13.226-13.226L4.078 52.13c-2.104-.642-2.104-3.62 0-4.262l23.423-7.142a19.893 19.893 0 0 0 13.226-13.226L47.87 4.078c.642-2.104 3.62-2.104 4.262 0z\" fill=\"#000000\" opacity=\"1\" data-original=\"#000000\" class=\"\"><\/path><\/g><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"> Exploring <strong> additional term loans <\/strong> and cash-out options where possible<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" width=\"100\" height=\"100\" x=\"0\" y=\"0\" viewBox=\"0 0 100 100\" style=\"enable-background:new 0 0 512 512\" xml:space=\"preserve\" class=\"\"><g><path d=\"m52.131 4.078 7.142 23.423a19.893 19.893 0 0 0 13.226 13.226l23.423 7.142c2.104.642 2.104 3.62 0 4.262l-23.423 7.142a19.893 19.893 0 0 0-13.226 13.226L52.13 95.922c-.642 2.104-3.62 2.104-4.262 0l-7.142-23.423a19.893 19.893 0 0 0-13.226-13.226L4.078 52.13c-2.104-.642-2.104-3.62 0-4.262l23.423-7.142a19.893 19.893 0 0 0 13.226-13.226L47.87 4.078c.642-2.104 3.62-2.104 4.262 0z\" fill=\"#000000\" opacity=\"1\" data-original=\"#000000\" class=\"\"><\/path><\/g><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Turning single-property owners into <strong> multi-property investors <\/strong> through creative  loan planning<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" width=\"100\" height=\"100\" x=\"0\" y=\"0\" viewBox=\"0 0 100 100\" style=\"enable-background:new 0 0 512 512\" xml:space=\"preserve\" class=\"\"><g><path d=\"m52.131 4.078 7.142 23.423a19.893 19.893 0 0 0 13.226 13.226l23.423 7.142c2.104.642 2.104 3.62 0 4.262l-23.423 7.142a19.893 19.893 0 0 0-13.226 13.226L52.13 95.922c-.642 2.104-3.62 2.104-4.262 0l-7.142-23.423a19.893 19.893 0 0 0-13.226-13.226L4.078 52.13c-2.104-.642-2.104-3.62 0-4.262l23.423-7.142a19.893 19.893 0 0 0 13.226-13.226L47.87 4.078c.642-2.104 3.62-2.104 4.262 0z\" fill=\"#000000\" opacity=\"1\" data-original=\"#000000\" class=\"\"><\/path><\/g><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"> Coordinating with trusted bankers and lawyers for smooth execution<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" width=\"100\" height=\"100\" x=\"0\" y=\"0\" viewBox=\"0 0 100 100\" style=\"enable-background:new 0 0 512 512\" xml:space=\"preserve\" class=\"\"><g><path d=\"m52.131 4.078 7.142 23.423a19.893 19.893 0 0 0 13.226 13.226l23.423 7.142c2.104.642 2.104 3.62 0 4.262l-23.423 7.142a19.893 19.893 0 0 0-13.226 13.226L52.13 95.922c-.642 2.104-3.62 2.104-4.262 0l-7.142-23.423a19.893 19.893 0 0 0-13.226-13.226L4.078 52.13c-2.104-.642-2.104-3.62 0-4.262l23.423-7.142a19.893 19.893 0 0 0 13.226-13.226L47.87 4.078c.642-2.104 3.62-2.104 4.262 0z\" fill=\"#000000\" opacity=\"1\" data-original=\"#000000\" class=\"\"><\/path><\/g><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"> Providing transparent guidance so you fully understand costs, risks, and timelines<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3a9dcea elementor-widget elementor-widget-text-editor\" data-id=\"3a9dcea\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>With Dr. Loan, it\u2019s not just about restructuring ownership &#8211; it\u2019s about creating smarter pathways to long-term property growth.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-47b931d elementor-hidden-desktop elementor-hidden-tablet elementor-hidden-mobile elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"47b931d\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-daba9f0\" data-id=\"daba9f0\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-158fe71 elementor-widget elementor-widget-image\" data-id=\"158fe71\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"690\" height=\"460\" src=\"https:\/\/sistagging.com\/opalconsult\/wp-content\/uploads\/2025\/07\/When-is-Decoupling-Useful_.webp\" class=\"attachment-full size-full wp-image-3688\" alt=\"\" srcset=\"https:\/\/sistagging.com\/opalconsult\/wp-content\/uploads\/2025\/07\/When-is-Decoupling-Useful_.webp 690w, https:\/\/sistagging.com\/opalconsult\/wp-content\/uploads\/2025\/07\/When-is-Decoupling-Useful_-300x200.webp 300w\" sizes=\"(max-width: 690px) 100vw, 690px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-0af2c38\" data-id=\"0af2c38\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-db89218 elementor-widget elementor-widget-heading\" data-id=\"db89218\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">When is Decoupling Useful?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f0321a4 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"f0321a4\" data-element_type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" width=\"512\" height=\"512\" x=\"0\" y=\"0\" viewBox=\"0 0 43.349 43.349\" style=\"enable-background:new 0 0 512 512\" xml:space=\"preserve\" fill-rule=\"evenodd\" class=\"\"><g><path d=\"M18.792 40.467C8.426 40.467 0 32.04 0 21.675S8.426 2.883 18.792 2.883c4.753 0 9.214 1.726 12.689 4.912a34.152 34.152 0 0 0-3.344 2.26 14.836 14.836 0 0 0-9.345-3.294c-8.215 0-14.914 6.699-14.914 14.914s6.699 14.913 14.914 14.913c11.43 0 18.216-12.218 13.3-21.717a51.384 51.384 0 0 1 3.002-2.584c1.645 2.84 2.49 6.061 2.49 9.387 0 10.366-8.426 18.793-18.792 18.793z\" fill=\"#000000\" opacity=\"1\" data-original=\"#000000\"><\/path><path d=\"M19.286 31.335a.502.502 0 0 1-.459-.317c-.035-.07-3.067-7.898-7.756-10.86-.917-.564-1.622-1.163-1.34-2.503.282-1.304 1.163-2.045 2.75-2.397 2.82-.6 5.853 3.772 6.98 5.57 3.95-5.746 11.847-14.772 23.341-15.83.554-.065.76.757.247.987-.176.07-16.606 7.58-23.27 25.068a.563.563 0 0 1-.493.282z\" fill=\"#000000\" opacity=\"1\" data-original=\"#000000\"><\/path><\/g><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">You are planning to buy a second residential property<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" width=\"512\" height=\"512\" x=\"0\" y=\"0\" viewBox=\"0 0 43.349 43.349\" style=\"enable-background:new 0 0 512 512\" xml:space=\"preserve\" fill-rule=\"evenodd\" class=\"\"><g><path d=\"M18.792 40.467C8.426 40.467 0 32.04 0 21.675S8.426 2.883 18.792 2.883c4.753 0 9.214 1.726 12.689 4.912a34.152 34.152 0 0 0-3.344 2.26 14.836 14.836 0 0 0-9.345-3.294c-8.215 0-14.914 6.699-14.914 14.914s6.699 14.913 14.914 14.913c11.43 0 18.216-12.218 13.3-21.717a51.384 51.384 0 0 1 3.002-2.584c1.645 2.84 2.49 6.061 2.49 9.387 0 10.366-8.426 18.793-18.792 18.793z\" fill=\"#000000\" opacity=\"1\" data-original=\"#000000\"><\/path><path d=\"M19.286 31.335a.502.502 0 0 1-.459-.317c-.035-.07-3.067-7.898-7.756-10.86-.917-.564-1.622-1.163-1.34-2.503.282-1.304 1.163-2.045 2.75-2.397 2.82-.6 5.853 3.772 6.98 5.57 3.95-5.746 11.847-14.772 23.341-15.83.554-.065.76.757.247.987-.176.07-16.606 7.58-23.27 25.068a.563.563 0 0 1-.493.282z\" fill=\"#000000\" opacity=\"1\" data-original=\"#000000\"><\/path><\/g><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">You want to reduce tax liabilities (e.g., ABSD savings can reach $200K+)<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" width=\"512\" height=\"512\" x=\"0\" y=\"0\" viewBox=\"0 0 43.349 43.349\" style=\"enable-background:new 0 0 512 512\" xml:space=\"preserve\" fill-rule=\"evenodd\" class=\"\"><g><path d=\"M18.792 40.467C8.426 40.467 0 32.04 0 21.675S8.426 2.883 18.792 2.883c4.753 0 9.214 1.726 12.689 4.912a34.152 34.152 0 0 0-3.344 2.26 14.836 14.836 0 0 0-9.345-3.294c-8.215 0-14.914 6.699-14.914 14.914s6.699 14.913 14.914 14.913c11.43 0 18.216-12.218 13.3-21.717a51.384 51.384 0 0 1 3.002-2.584c1.645 2.84 2.49 6.061 2.49 9.387 0 10.366-8.426 18.793-18.792 18.793z\" fill=\"#000000\" opacity=\"1\" data-original=\"#000000\"><\/path><path d=\"M19.286 31.335a.502.502 0 0 1-.459-.317c-.035-.07-3.067-7.898-7.756-10.86-.917-.564-1.622-1.163-1.34-2.503.282-1.304 1.163-2.045 2.75-2.397 2.82-.6 5.853 3.772 6.98 5.57 3.95-5.746 11.847-14.772 23.341-15.83.554-.065.76.757.247.987-.176.07-16.606 7.58-23.27 25.068a.563.563 0 0 1-.493.282z\" fill=\"#000000\" opacity=\"1\" data-original=\"#000000\"><\/path><\/g><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">You\u2019re reallocating ownership due to CPF or estate planning purposes<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" width=\"512\" height=\"512\" x=\"0\" y=\"0\" viewBox=\"0 0 43.349 43.349\" style=\"enable-background:new 0 0 512 512\" xml:space=\"preserve\" fill-rule=\"evenodd\" class=\"\"><g><path d=\"M18.792 40.467C8.426 40.467 0 32.04 0 21.675S8.426 2.883 18.792 2.883c4.753 0 9.214 1.726 12.689 4.912a34.152 34.152 0 0 0-3.344 2.26 14.836 14.836 0 0 0-9.345-3.294c-8.215 0-14.914 6.699-14.914 14.914s6.699 14.913 14.914 14.913c11.43 0 18.216-12.218 13.3-21.717a51.384 51.384 0 0 1 3.002-2.584c1.645 2.84 2.49 6.061 2.49 9.387 0 10.366-8.426 18.793-18.792 18.793z\" fill=\"#000000\" opacity=\"1\" data-original=\"#000000\"><\/path><path d=\"M19.286 31.335a.502.502 0 0 1-.459-.317c-.035-.07-3.067-7.898-7.756-10.86-.917-.564-1.622-1.163-1.34-2.503.282-1.304 1.163-2.045 2.75-2.397 2.82-.6 5.853 3.772 6.98 5.57 3.95-5.746 11.847-14.772 23.341-15.83.554-.065.76.757.247.987-.176.07-16.606 7.58-23.27 25.068a.563.563 0 0 1-.493.282z\" fill=\"#000000\" opacity=\"1\" data-original=\"#000000\"><\/path><\/g><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">You\u2019re optimizing loan eligibility (based on one party\u2019s income)<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-b73ea0e row-reverse elementor-hidden-desktop elementor-hidden-tablet elementor-hidden-mobile elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"b73ea0e\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-bbfd067\" data-id=\"bbfd067\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7271f8f elementor-widget elementor-widget-image\" data-id=\"7271f8f\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"690\" height=\"460\" src=\"https:\/\/sistagging.com\/opalconsult\/wp-content\/uploads\/2025\/07\/Decoupling-Considerations.webp\" class=\"attachment-full size-full wp-image-3692\" alt=\"\" srcset=\"https:\/\/sistagging.com\/opalconsult\/wp-content\/uploads\/2025\/07\/Decoupling-Considerations.webp 690w, https:\/\/sistagging.com\/opalconsult\/wp-content\/uploads\/2025\/07\/Decoupling-Considerations-300x200.webp 300w\" sizes=\"(max-width: 690px) 100vw, 690px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-61c88d5\" data-id=\"61c88d5\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-44aa78a elementor-widget elementor-widget-heading\" data-id=\"44aa78a\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Decoupling Considerations<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3b326c3 elementor-widget elementor-widget-text-editor\" data-id=\"3b326c3\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>While attractive, decoupling is <strong>not suitable for everyone.<\/strong> We conduct a full diagnostic to evaluate:<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-209b623 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"209b623\" data-element_type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" width=\"512\" height=\"512\" x=\"0\" y=\"0\" viewBox=\"0 0 43.349 43.349\" style=\"enable-background:new 0 0 512 512\" xml:space=\"preserve\" fill-rule=\"evenodd\" class=\"\"><g><path d=\"M18.792 40.467C8.426 40.467 0 32.04 0 21.675S8.426 2.883 18.792 2.883c4.753 0 9.214 1.726 12.689 4.912a34.152 34.152 0 0 0-3.344 2.26 14.836 14.836 0 0 0-9.345-3.294c-8.215 0-14.914 6.699-14.914 14.914s6.699 14.913 14.914 14.913c11.43 0 18.216-12.218 13.3-21.717a51.384 51.384 0 0 1 3.002-2.584c1.645 2.84 2.49 6.061 2.49 9.387 0 10.366-8.426 18.793-18.792 18.793z\" fill=\"#000000\" opacity=\"1\" data-original=\"#000000\"><\/path><path d=\"M19.286 31.335a.502.502 0 0 1-.459-.317c-.035-.07-3.067-7.898-7.756-10.86-.917-.564-1.622-1.163-1.34-2.503.282-1.304 1.163-2.045 2.75-2.397 2.82-.6 5.853 3.772 6.98 5.57 3.95-5.746 11.847-14.772 23.341-15.83.554-.065.76.757.247.987-.176.07-16.606 7.58-23.27 25.068a.563.563 0 0 1-.493.282z\" fill=\"#000000\" opacity=\"1\" data-original=\"#000000\"><\/path><\/g><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><strong>Stamp duty costs<\/strong> (BSD on transferred portion)<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" width=\"512\" height=\"512\" x=\"0\" y=\"0\" viewBox=\"0 0 43.349 43.349\" style=\"enable-background:new 0 0 512 512\" xml:space=\"preserve\" fill-rule=\"evenodd\" class=\"\"><g><path d=\"M18.792 40.467C8.426 40.467 0 32.04 0 21.675S8.426 2.883 18.792 2.883c4.753 0 9.214 1.726 12.689 4.912a34.152 34.152 0 0 0-3.344 2.26 14.836 14.836 0 0 0-9.345-3.294c-8.215 0-14.914 6.699-14.914 14.914s6.699 14.913 14.914 14.913c11.43 0 18.216-12.218 13.3-21.717a51.384 51.384 0 0 1 3.002-2.584c1.645 2.84 2.49 6.061 2.49 9.387 0 10.366-8.426 18.793-18.792 18.793z\" fill=\"#000000\" opacity=\"1\" data-original=\"#000000\"><\/path><path d=\"M19.286 31.335a.502.502 0 0 1-.459-.317c-.035-.07-3.067-7.898-7.756-10.86-.917-.564-1.622-1.163-1.34-2.503.282-1.304 1.163-2.045 2.75-2.397 2.82-.6 5.853 3.772 6.98 5.57 3.95-5.746 11.847-14.772 23.341-15.83.554-.065.76.757.247.987-.176.07-16.606 7.58-23.27 25.068a.563.563 0 0 1-.493.282z\" fill=\"#000000\" opacity=\"1\" data-original=\"#000000\"><\/path><\/g><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><strong>CPF refund obligations<\/strong><\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" width=\"512\" height=\"512\" x=\"0\" y=\"0\" viewBox=\"0 0 43.349 43.349\" style=\"enable-background:new 0 0 512 512\" xml:space=\"preserve\" fill-rule=\"evenodd\" class=\"\"><g><path d=\"M18.792 40.467C8.426 40.467 0 32.04 0 21.675S8.426 2.883 18.792 2.883c4.753 0 9.214 1.726 12.689 4.912a34.152 34.152 0 0 0-3.344 2.26 14.836 14.836 0 0 0-9.345-3.294c-8.215 0-14.914 6.699-14.914 14.914s6.699 14.913 14.914 14.913c11.43 0 18.216-12.218 13.3-21.717a51.384 51.384 0 0 1 3.002-2.584c1.645 2.84 2.49 6.061 2.49 9.387 0 10.366-8.426 18.793-18.792 18.793z\" fill=\"#000000\" opacity=\"1\" data-original=\"#000000\"><\/path><path d=\"M19.286 31.335a.502.502 0 0 1-.459-.317c-.035-.07-3.067-7.898-7.756-10.86-.917-.564-1.622-1.163-1.34-2.503.282-1.304 1.163-2.045 2.75-2.397 2.82-.6 5.853 3.772 6.98 5.57 3.95-5.746 11.847-14.772 23.341-15.83.554-.065.76.757.247.987-.176.07-16.606 7.58-23.27 25.068a.563.563 0 0 1-.493.282z\" fill=\"#000000\" opacity=\"1\" data-original=\"#000000\"><\/path><\/g><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><strong>Legal fees <\/strong> and conveyancing complexity<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" width=\"512\" height=\"512\" x=\"0\" y=\"0\" viewBox=\"0 0 43.349 43.349\" style=\"enable-background:new 0 0 512 512\" xml:space=\"preserve\" fill-rule=\"evenodd\" class=\"\"><g><path d=\"M18.792 40.467C8.426 40.467 0 32.04 0 21.675S8.426 2.883 18.792 2.883c4.753 0 9.214 1.726 12.689 4.912a34.152 34.152 0 0 0-3.344 2.26 14.836 14.836 0 0 0-9.345-3.294c-8.215 0-14.914 6.699-14.914 14.914s6.699 14.913 14.914 14.913c11.43 0 18.216-12.218 13.3-21.717a51.384 51.384 0 0 1 3.002-2.584c1.645 2.84 2.49 6.061 2.49 9.387 0 10.366-8.426 18.793-18.792 18.793z\" fill=\"#000000\" opacity=\"1\" data-original=\"#000000\"><\/path><path d=\"M19.286 31.335a.502.502 0 0 1-.459-.317c-.035-.07-3.067-7.898-7.756-10.86-.917-.564-1.622-1.163-1.34-2.503.282-1.304 1.163-2.045 2.75-2.397 2.82-.6 5.853 3.772 6.98 5.57 3.95-5.746 11.847-14.772 23.341-15.83.554-.065.76.757.247.987-.176.07-16.606 7.58-23.27 25.068a.563.563 0 0 1-.493.282z\" fill=\"#000000\" opacity=\"1\" data-original=\"#000000\"><\/path><\/g><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><strong>Bank approval<\/strong> (especially if refinancing is involved)<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" width=\"512\" height=\"512\" x=\"0\" y=\"0\" viewBox=\"0 0 43.349 43.349\" style=\"enable-background:new 0 0 512 512\" xml:space=\"preserve\" fill-rule=\"evenodd\" class=\"\"><g><path d=\"M18.792 40.467C8.426 40.467 0 32.04 0 21.675S8.426 2.883 18.792 2.883c4.753 0 9.214 1.726 12.689 4.912a34.152 34.152 0 0 0-3.344 2.26 14.836 14.836 0 0 0-9.345-3.294c-8.215 0-14.914 6.699-14.914 14.914s6.699 14.913 14.914 14.913c11.43 0 18.216-12.218 13.3-21.717a51.384 51.384 0 0 1 3.002-2.584c1.645 2.84 2.49 6.061 2.49 9.387 0 10.366-8.426 18.793-18.792 18.793z\" fill=\"#000000\" opacity=\"1\" data-original=\"#000000\"><\/path><path d=\"M19.286 31.335a.502.502 0 0 1-.459-.317c-.035-.07-3.067-7.898-7.756-10.86-.917-.564-1.622-1.163-1.34-2.503.282-1.304 1.163-2.045 2.75-2.397 2.82-.6 5.853 3.772 6.98 5.57 3.95-5.746 11.847-14.772 23.341-15.83.554-.065.76.757.247.987-.176.07-16.606 7.58-23.27 25.068a.563.563 0 0 1-.493.282z\" fill=\"#000000\" opacity=\"1\" data-original=\"#000000\"><\/path><\/g><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><strong>Loan eligibility<\/strong> of the party taking over 100% ownership<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3dc72de elementor-widget elementor-widget-text-editor\" data-id=\"3dc72de\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>We\u2019ll advise you on whether to proceed with decoupling or explore alternatives such as using tenancy-in-common structures or leveraging commercial properties.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-92f1bf6 row-reverse elementor-hidden-desktop elementor-hidden-tablet elementor-hidden-mobile elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"92f1bf6\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-64e5568\" data-id=\"64e5568\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-d6bc798 elementor-widget elementor-widget-heading\" data-id=\"d6bc798\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">How We Assist<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c2fe08e elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"c2fe08e\" data-element_type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" width=\"512\" height=\"512\" x=\"0\" y=\"0\" viewBox=\"0 0 43.349 43.349\" style=\"enable-background:new 0 0 512 512\" xml:space=\"preserve\" fill-rule=\"evenodd\" class=\"\"><g><path d=\"M18.792 40.467C8.426 40.467 0 32.04 0 21.675S8.426 2.883 18.792 2.883c4.753 0 9.214 1.726 12.689 4.912a34.152 34.152 0 0 0-3.344 2.26 14.836 14.836 0 0 0-9.345-3.294c-8.215 0-14.914 6.699-14.914 14.914s6.699 14.913 14.914 14.913c11.43 0 18.216-12.218 13.3-21.717a51.384 51.384 0 0 1 3.002-2.584c1.645 2.84 2.49 6.061 2.49 9.387 0 10.366-8.426 18.793-18.792 18.793z\" fill=\"#000000\" opacity=\"1\" data-original=\"#000000\"><\/path><path d=\"M19.286 31.335a.502.502 0 0 1-.459-.317c-.035-.07-3.067-7.898-7.756-10.86-.917-.564-1.622-1.163-1.34-2.503.282-1.304 1.163-2.045 2.75-2.397 2.82-.6 5.853 3.772 6.98 5.57 3.95-5.746 11.847-14.772 23.341-15.83.554-.065.76.757.247.987-.176.07-16.606 7.58-23.27 25.068a.563.563 0 0 1-.493.282z\" fill=\"#000000\" opacity=\"1\" data-original=\"#000000\"><\/path><\/g><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Coordinate property valuation and legal paperwork<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" width=\"512\" height=\"512\" x=\"0\" y=\"0\" viewBox=\"0 0 43.349 43.349\" style=\"enable-background:new 0 0 512 512\" xml:space=\"preserve\" fill-rule=\"evenodd\" class=\"\"><g><path d=\"M18.792 40.467C8.426 40.467 0 32.04 0 21.675S8.426 2.883 18.792 2.883c4.753 0 9.214 1.726 12.689 4.912a34.152 34.152 0 0 0-3.344 2.26 14.836 14.836 0 0 0-9.345-3.294c-8.215 0-14.914 6.699-14.914 14.914s6.699 14.913 14.914 14.913c11.43 0 18.216-12.218 13.3-21.717a51.384 51.384 0 0 1 3.002-2.584c1.645 2.84 2.49 6.061 2.49 9.387 0 10.366-8.426 18.793-18.792 18.793z\" fill=\"#000000\" opacity=\"1\" data-original=\"#000000\"><\/path><path d=\"M19.286 31.335a.502.502 0 0 1-.459-.317c-.035-.07-3.067-7.898-7.756-10.86-.917-.564-1.622-1.163-1.34-2.503.282-1.304 1.163-2.045 2.75-2.397 2.82-.6 5.853 3.772 6.98 5.57 3.95-5.746 11.847-14.772 23.341-15.83.554-.065.76.757.247.987-.176.07-16.606 7.58-23.27 25.068a.563.563 0 0 1-.493.282z\" fill=\"#000000\" opacity=\"1\" data-original=\"#000000\"><\/path><\/g><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Prepare for CPF Board requirements<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" width=\"512\" height=\"512\" x=\"0\" y=\"0\" viewBox=\"0 0 43.349 43.349\" style=\"enable-background:new 0 0 512 512\" xml:space=\"preserve\" fill-rule=\"evenodd\" class=\"\"><g><path d=\"M18.792 40.467C8.426 40.467 0 32.04 0 21.675S8.426 2.883 18.792 2.883c4.753 0 9.214 1.726 12.689 4.912a34.152 34.152 0 0 0-3.344 2.26 14.836 14.836 0 0 0-9.345-3.294c-8.215 0-14.914 6.699-14.914 14.914s6.699 14.913 14.914 14.913c11.43 0 18.216-12.218 13.3-21.717a51.384 51.384 0 0 1 3.002-2.584c1.645 2.84 2.49 6.061 2.49 9.387 0 10.366-8.426 18.793-18.792 18.793z\" fill=\"#000000\" opacity=\"1\" data-original=\"#000000\"><\/path><path d=\"M19.286 31.335a.502.502 0 0 1-.459-.317c-.035-.07-3.067-7.898-7.756-10.86-.917-.564-1.622-1.163-1.34-2.503.282-1.304 1.163-2.045 2.75-2.397 2.82-.6 5.853 3.772 6.98 5.57 3.95-5.746 11.847-14.772 23.341-15.83.554-.065.76.757.247.987-.176.07-16.606 7.58-23.27 25.068a.563.563 0 0 1-.493.282z\" fill=\"#000000\" opacity=\"1\" data-original=\"#000000\"><\/path><\/g><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Assist with loan restructuring and planning<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" width=\"512\" height=\"512\" x=\"0\" y=\"0\" viewBox=\"0 0 43.349 43.349\" style=\"enable-background:new 0 0 512 512\" xml:space=\"preserve\" fill-rule=\"evenodd\" class=\"\"><g><path d=\"M18.792 40.467C8.426 40.467 0 32.04 0 21.675S8.426 2.883 18.792 2.883c4.753 0 9.214 1.726 12.689 4.912a34.152 34.152 0 0 0-3.344 2.26 14.836 14.836 0 0 0-9.345-3.294c-8.215 0-14.914 6.699-14.914 14.914s6.699 14.913 14.914 14.913c11.43 0 18.216-12.218 13.3-21.717a51.384 51.384 0 0 1 3.002-2.584c1.645 2.84 2.49 6.061 2.49 9.387 0 10.366-8.426 18.793-18.792 18.793z\" fill=\"#000000\" opacity=\"1\" data-original=\"#000000\"><\/path><path d=\"M19.286 31.335a.502.502 0 0 1-.459-.317c-.035-.07-3.067-7.898-7.756-10.86-.917-.564-1.622-1.163-1.34-2.503.282-1.304 1.163-2.045 2.75-2.397 2.82-.6 5.853 3.772 6.98 5.57 3.95-5.746 11.847-14.772 23.341-15.83.554-.065.76.757.247.987-.176.07-16.606 7.58-23.27 25.068a.563.563 0 0 1-.493.282z\" fill=\"#000000\" opacity=\"1\" data-original=\"#000000\"><\/path><\/g><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Connect you with trusted legal partners and bankers<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" width=\"512\" height=\"512\" x=\"0\" y=\"0\" viewBox=\"0 0 43.349 43.349\" style=\"enable-background:new 0 0 512 512\" xml:space=\"preserve\" fill-rule=\"evenodd\" class=\"\"><g><path d=\"M18.792 40.467C8.426 40.467 0 32.04 0 21.675S8.426 2.883 18.792 2.883c4.753 0 9.214 1.726 12.689 4.912a34.152 34.152 0 0 0-3.344 2.26 14.836 14.836 0 0 0-9.345-3.294c-8.215 0-14.914 6.699-14.914 14.914s6.699 14.913 14.914 14.913c11.43 0 18.216-12.218 13.3-21.717a51.384 51.384 0 0 1 3.002-2.584c1.645 2.84 2.49 6.061 2.49 9.387 0 10.366-8.426 18.793-18.792 18.793z\" fill=\"#000000\" opacity=\"1\" data-original=\"#000000\"><\/path><path d=\"M19.286 31.335a.502.502 0 0 1-.459-.317c-.035-.07-3.067-7.898-7.756-10.86-.917-.564-1.622-1.163-1.34-2.503.282-1.304 1.163-2.045 2.75-2.397 2.82-.6 5.853 3.772 6.98 5.57 3.95-5.746 11.847-14.772 23.341-15.83.554-.065.76.757.247.987-.176.07-16.606 7.58-23.27 25.068a.563.563 0 0 1-.493.282z\" fill=\"#000000\" opacity=\"1\" data-original=\"#000000\"><\/path><\/g><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Provide timeline planning to minimize disruption to both parties<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c9ffef2 elementor-widget elementor-widget-text-editor\" data-id=\"c9ffef2\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Decoupling requires careful execution, and our advisors ensure the process is smooth, compliant, and aligned with your long-term investment plans.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-8a0d39b\" data-id=\"8a0d39b\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-51a9972 elementor-widget elementor-widget-image\" data-id=\"51a9972\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"690\" height=\"460\" src=\"https:\/\/sistagging.com\/opalconsult\/wp-content\/uploads\/2025\/07\/How-We-Assist.webp\" class=\"attachment-full size-full wp-image-3696\" alt=\"\" srcset=\"https:\/\/sistagging.com\/opalconsult\/wp-content\/uploads\/2025\/07\/How-We-Assist.webp 690w, https:\/\/sistagging.com\/opalconsult\/wp-content\/uploads\/2025\/07\/How-We-Assist-300x200.webp 300w\" sizes=\"(max-width: 690px) 100vw, 690px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Decoupling &#038; Part Purchase What is Decoupling and Part-Purchase? As property prices and taxes rise in Singapore, many couples and joint owners explore decoupling and part purchase as strategies to reduce tax liabilities, optimise loan eligibility, and pave the way for future investments. Decoupling is when one co &#8211;\u00a0 owner sells his share of a [&hellip;]<\/p>\n","protected":false},"featured_media":3684,"template":"elementor_header_footer","service_category":[7],"class_list":["post-1718","services","type-services","status-publish","has-post-thumbnail","hentry","service_category-property-solutions"],"_links":{"self":[{"href":"https:\/\/sistagging.com\/opalconsult\/wp-json\/wp\/v2\/services\/1718","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/sistagging.com\/opalconsult\/wp-json\/wp\/v2\/services"}],"about":[{"href":"https:\/\/sistagging.com\/opalconsult\/wp-json\/wp\/v2\/types\/services"}],"version-history":[{"count":158,"href":"https:\/\/sistagging.com\/opalconsult\/wp-json\/wp\/v2\/services\/1718\/revisions"}],"predecessor-version":[{"id":4738,"href":"https:\/\/sistagging.com\/opalconsult\/wp-json\/wp\/v2\/services\/1718\/revisions\/4738"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/sistagging.com\/opalconsult\/wp-json\/wp\/v2\/media\/3684"}],"wp:attachment":[{"href":"https:\/\/sistagging.com\/opalconsult\/wp-json\/wp\/v2\/media?parent=1718"}],"wp:term":[{"taxonomy":"service_category","embeddable":true,"href":"https:\/\/sistagging.com\/opalconsult\/wp-json\/wp\/v2\/service_category?post=1718"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}