Decoupling / Share Transfer Calculator
Estimate the cash, loan and stamp duties for transferring share(s) of a Singapore residential property between joint owners.
Estimate the cash, loan and stamp duties for transferring share(s) of a Singapore residential property between joint owners.
Leave blank for inherited property
Leave blank for inherited property
Bank policy, usually 70 or 75
Typical: S$5k–7k
MAS floor: 4.0%
For monthly payment estimate
Out-of-pocket, on signing
55% of $1,260,000 transfer
Over 28 years @ 3.5%
Buyer is buying over Sister 1 and Sister 2's combined 30% share of the $4,200,000 property — that's $1,260,000 worth of property changing hands.
To make this happen, Buyer will need to bring $516,000 in cash to the table on signing day. The bank will lend the rest — $693,000 — to be repaid at roughly $3,238 per month over 28 years. The loan will be fully paid off when Buyer is 75.
A breakdown of every dollar you'll need at signing.
10% of the share value. The bank insists this part is cash — CPF can't be used here.
The remaining downpayment is $441,000. CPF covers $91,000 of that, so $350,000 more is needed in cash.
Buyer's Stamp Duty only — no Additional Buyer's Stamp Duty applies. Paid in cash on signing, but CPF can reimburse this later.
Conveyancing fees for the share transfer. The exact figure depends on the lawyer; the field above is editable.
Banks check two limits and lend the lower of the two. Here's how each test scored:
Based on $7,200/month income and $0/month existing debts. The bank stress-tests against 4% interest, then caps total monthly debt at 55% of income.
Capped at 55% of the share value because the loan would end at age 75 — past the standard cutoff of 65. The buyer also needs 10% minimum cash (instead of 5%) for the same reason.
Tap either card above to switch between scenarios. Here's how they compare side by side.
Watch-outs that could affect the deal — based on the inputs above.
Sister 1 and Sister 2 — fill in the year acquired so we can check whether Sellers' Stamp Duty applies. Sales within 3 years of acquisition incur 4–12% SSD.
The CPF balance ($91,000) covers about 21% of the cash-or-CPF portion of the downpayment. The remaining $350,000 will need to come from cash.
The loan amount is capped by LTV, not income. Even with more income, the bank wouldn't lend more — the only ways to borrow more are a shorter tenure (to recover full LTV) or a younger co-borrower.