Correction, 22 October 2026: We have withdrawn this page’s earlier decoupling instructions, savings examples and diagrams. They contained unreliable tax calculations and dates, contradictory EC eligibility statements, and unsupported assurances about ownership transfers. Do not use those examples to commit to a transfer or another purchase.
The earlier S$900,000 BSD example showed S$18,600. Under IRAS’s current residential bands, the hypothetical calculation is S$1,800 + S$3,600 + S$16,200 = S$21,600, assuming S$900,000 is the relevant higher consideration or market value. Correcting that number does not validate the former transaction plan or claimed net saving.
The former blanket three-year SSD rule was also unsafe. IRAS distinguishes acquisition periods, including a four-year holding period for residential property acquired on or after 4 July 2025. The acquisition and disposal facts must be established for the actual interest being transferred.
For a proposed change, gather the title record, acquisition documents, mortgage terms and CPF records before relying on a cost estimate. Our ownership and title guide explains the distinction between joint tenancy and tenancy in common. It does not establish the tax outcome of a particular transfer.
Singapore River at Robertson Quay, photographed 14 August 2022. Photo: Wzhkevin, Wikimedia Commons. CC BY-SA 4.0. Resized for web. Neighbourhood context, not a valuation. Source: https://commons.wikimedia.org/wiki/File:Singapore_River_at_Robertson_Quay_-_2022-08-14.jpg. Licence: https://creativecommons.org/licenses/by-sa/4.0/.
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