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Decouple by transferring his/her share by the way of sales or gift to the other co-owner.
This would make person A the sole owner of the existing home, freeing up person B to purchase another property without incurring ABSD.
Equity Term Loan
Taking cash out of an existing property, When the asset price rises, there is "equity".
Borrowers can potentially gear up to borrow more by refinancing their current home loan to include a Equity Term Loan.
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