Can buy HDB after decoupling?

In Singapore, the process of decoupling is primarily relevant to private properties, not HDB flats. Here are the key points to consider:

- HDB Flats: You cannot decouple an HDB flat for the purpose of avoiding Additional Buyer’s Stamp Duty (ABSD) or for investment reasons. Since April 2016, HDB has tightened the rules, and transfers of HDB flat ownership are only allowed in specific circumstances such as marriage, divorce, death of an owner, financial hardship, renunciation of citizenship, and medical reasons.

- Private Properties: If you decouple a private property, the co-owner who transfers their share can be treated as a first-time buyer. This means they can purchase another property, including an HDB flat, without incurring ABSD, provided they meet the eligibility criteria set by HDB.

To buy an HDB flat after decoupling, the individual must ensure they meet HDB's eligibility criteria, such as the income ceiling, citizenship, and family nucleus requirements. Decoupling a private property does not affect your eligibility to purchase an HDB flat, but you must comply with all HDB regulations and criteria for buying an HDB flat.