Can you present the pros and cons of buying property in Singapore using one name versus two names in a table format?

One Name vs. Two Names: Pros and Cons in Singapore Property Ownership

Aspect	One Name (Sole Ownership)	Two Names (Joint Ownership)
ABSD Benefits	Spouse remains first-time buyer; can purchase second property at lower ABSD rates (e.g., 5% for PRs on first).	Both count as owners; future buys for either incur higher ABSD (e.g., 30%+ on second property).
Loan & Affordability	Limited to one person's income and CPF; smaller loan quantum.	Combined incomes and CPF; larger loans possible for higher-value properties.
Future Planning	Ideal for families buying multiple properties; easier expansion strategy.	Counts as one property per person; decoupling needed for more buys (costs S$5k–6k, 4–6 weeks).
HDB Rules	Non-owner as essential occupier; must meet 5-year MOP before private buys.	Both owners; no decoupling for HDB post-2016; stricter family nucleus rules.
Risks & Disputes	Simpler control but potential ownership imbalance in separations.	Shared rights (tenancy-in-common or joint tenancy); needs legal agreement for contributions.

Key Advice: One-name suits ABSD optimisation for multiple properties; two-names boosts buying power. Use EdgeProp Singapore's affordability calculator and ABSD tools for personalised scenarios. Consult lawyers for ownership agreements.