Tools · Invest & Grow
Assets Multiplier
Add a 2nd property without paying ABSD — compares the routes.
Decoupling transfers one co-owner's share to the other so the freed party can buy the next property as a first purchase without ABSD. The tool compares the routes and prices the transfer itself — stamp duty on the share, legal costs, the new loan — against the ABSD it saves.
What you enter
- Current property value, loan and ownership split
- The next purchase price and each party's profile
What you get
- Cost of the transfer, itemised
- ABSD avoided on the next purchase
- Whether the freed party can carry the new loan alone
Worked example
$1,600,000 condo, 50/50, next purchase $1,400,000
Saves about $200,000 net of transfer costs
- BSD on the half share
- $18,600
- Legal and valuation
- $6,000
- ABSD avoided
- $280,000
- Net benefit
- About $255,000
Illustrative, for a Singapore citizen couple, 35, first property, $12,000 a month between them, $250,000 cash and $200,000 in CPF Ordinary Account unless the case says otherwise. Your own numbers replace every figure the moment you use the tool.
The rule behind it, in prose: Decoupling: what it is, and when it still works.
Answers: decoupling calculator singapore, avoid ABSD second property.
Also in Invest & Grow
This tool is part of Roov Pro. Create a free account first — the affordability check, live rates, grants, timelines and market analysis come with it — and upgrade when you want this one.