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Anonymous
16 Nov 2020
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What would you recommend?
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Caleb Seah Hua Xiang
It depends.
If the 99% pax have financial ability to take up the new loan, then it's feasible to do the decoupling.
Beside the 1% pax, shouldn't use so much of their CPF. Otherwise, the amount to be refunded will cause a negative sale in this transaction.
Assuming 1m property when purchase.
if 1% use 100k cpf,
But when u sell at 1.2m, means u sold at 12k.
But because use 100k already, there will be a negative sale.
This 100k CPF usage has to be top up by cash.
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It depends.
If the 99% pax have financial ability to take up the new loan, then it's feasible to do the decoupling.
Beside the 1% pax, shouldn't use so much of their CPF. Otherwise, the amount to be refunded will cause a negative sale in this transaction.
Assuming 1m property when purchase.
if 1% use 100k cpf,
But when u sell at 1.2m, means u sold at 12k.
But because use 100k already, there will be a negative sale.
This 100k CPF usage has to be top up by cash.