Henry and Zann, co-own a property as matrimonial home in the East. They have purchased it since 2010, and have been residing in it ever since. The property is fully paid up and they are exploring ways that they can purchase an investment property.

Before meeting up, they were unaware that they were able to own an investment property without using their retirement savings and still keep their home.

With in-depth financial calculation and careful planning, they now became proud property owners of a 1-bedroom apartment in an Integrated Development, while collecting passive income through rental. Stress-free!

The good news is, the value of their investment unit has appreciated by 10% over 3 years.

“Decoupling” is a way to free up one’s name to acquire another property without paying additional buyer stamp duty