UpgradersVerified Client
From 1 HDB to 2 Private Properties
Client's objective: “Stay within 1km of ACS Junior while upgrading into higher-growth private properties.”
Property Appreciation To Date
The Challenge
Couple owned a Bishan HDB and wanted a second investment property but faced a $120K ABSD bill under joint ownership.
The Strategy
We executed a decoupling — restructured ownership so one spouse owned the HDB solely, freeing the other to purchase a condo under their name at 0% ABSD.
“
Idy mapped out the entire decoupling strategy before we even knew it existed. We now own two properties and the rental income covers both mortgages. Life-changing advice.
Verified Upgraders Client
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