看兜迪卡珀 de-couple的一点实战经验

Question

最近忙的华星都快不来了，抽空上来说两句经验，可能会对后来人有所裨益。两年之前买公寓的时候就是听明星中介的建议放的99（PR）- 1(C)， 现在迪卡珀之后，也跟该中介买了新的一套，非常感谢她的指点。主要开销就是：1.律师费 7000+ (Remember to ask the quotation including all duties, taxes and costs, especially 500 loan stamp duty and 7% GST)2.buyer stamp duty + additional buyer stamp duty (total 8% of the 1% valuation fee)3. seller stamp duty (12% since it's in 2nd year we start to de-couple)The sum of 2+3 is 20% of the 1% share transferring. If the house evaluation is 1.5M, then the fee of 2+3 is 20% x 1% x 1.5M = 3000.4. cash top up for the difference between current bank loan and new bank loan since the new bank loan can only finance 99% of the remaining loan. If the remaining loan is 1M, then the difference is 10K.5. evaluation fee, few hundred dollars.　Pay attention to two point:1. the part sale completion date should be arranged to be out of the current bank loan lock in period, otherwise, you need to pay bank penalty starting from 1% of loan.2. Lawyer fee pitfalls, such as 500 loan stamp duty and 7% GST. Obviously, I am not satisfied with my lawyer for this part.......　好了，就匆忙这两句吧。祝各位大发。

朱丽凝 · Answer

小白提问为什么要放成99-1啊？直接一个人买不行吗还省去了decoupling的费用。还是这样做为了增加贷款？

裴静 · Answer

真好我们中介让我们放50-50，难道是觉得我们买不起第二套？之前也没解释清楚，就律师所签字的时候让放的俩小白也就这样被坑了

骆璐菊 · Answer

为了充分利用SC如果一个人买：如果SC买，第一套没有ABSD，第二套PR买，5%ABSD；如果PR买，第一套5%ABSD，第二套SC买，没有ABSD。如果第一套PR 99%+ SC 1%，没有ABSD。之后SC把股份卖给PR，只要交1%部分对应的SSD/BSD/ABSD。然后第二套SC买，还是没有ABSD。简单算一下就知道有没有区别了。

任泽 · Answer

你的应该是HDB吧Decouple不了的

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