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  <url>
    <loc>https://www.yylee.sg/media-features-articles</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2026-03-31</lastmod>
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  <url>
    <loc>https://www.yylee.sg/media-features-articles/option-to-purchase-singapore</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2026-03-31</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/687750dd5ce5664b2b8a411c/07bfed8d-16da-4f7a-83b3-f5808cffbaab/4.png</image:loc>
      <image:title>Media Features &amp; Articles 传播媒介和文章 - Option to Purchase (OTP) in Singapore: What Property Buyers Must Know</image:title>
      <image:caption>When buying property in Singapore, one of the most important documents you will encounter is the Option to Purchase (OTP). This legal document grants a buyer the exclusive right to purchase a property within a specified period. Understanding how the OTP works is crucial. Once the option is exercised, the buyer is legally bound to complete the purchase according to the terms stated in the agreement. Because of its legal and financial implications, many buyers engage a conveyancing lawyer to review the OTP before exercising it.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.yylee.sg/media-features-articles/property-transfer-singapore</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2026-03-31</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/687750dd5ce5664b2b8a411c/69299409-ef44-441f-bfc0-9e9fbefc656f/3.png</image:loc>
      <image:title>Media Features &amp; Articles 传播媒介和文章 - Property Transfer in Singapore: Sale, Gift, Inheritance &amp;amp; Divorce</image:title>
      <image:caption>Property transfer in Singapore is not a one-size-fits-all process. Whether a property is transferred due to a sale, gift, inheritance, or divorce, the legal steps, documents required, and risks involved can differ significantly. Understanding which type of property transfer applies to your situation—and how it affects CPF, loans, stamp duties, and ownership rights—is essential to avoid costly delays or disputes.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.yylee.sg/media-features-articles/common-conveyancing-mistakes-singapore</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2026-03-31</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/687750dd5ce5664b2b8a411c/582726ae-f1cb-4ed3-a9ee-b40c8f7dda4a/2.png</image:loc>
      <image:title>Media Features &amp; Articles 传播媒介和文章 - Common Conveyancing Mistakes in Singapore (and How to Avoid Them)</image:title>
      <image:caption>Property transactions in Singapore involve tight timelines, legal obligations, and large financial commitments. Yet many buyers and sellers make avoidable conveyancing mistakes that result in delays, penalties, or even failed transactions. Understanding these common conveyancing pitfalls—and how to avoid them—can protect your investment and prevent unnecessary legal and financial stress.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.yylee.sg/media-features-articles/do-you-need-conveyancing-lawyer-singapore</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2026-03-31</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/687750dd5ce5664b2b8a411c/96523cde-bc6b-4767-bc5d-32a9797a4943/YYL+-+Blog+Banner+for+Website+Content.png</image:loc>
      <image:title>Media Features &amp; Articles 传播媒介和文章 - Do You Need a Conveyancing Lawyer in Singapore?</image:title>
      <image:caption>The short answer is yes. Conveyancing lawyers are necessary in Singapore. Property transactions cannot be legally completed without a lawyer. The Singapore Land Authority (SLA) requires instruments affecting property ownership to be prepared and lodged by qualified lawyers.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.yylee.sg/media-features-articles/hdb-vs-private-property-conveyancing</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2026-03-31</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/687750dd5ce5664b2b8a411c/92c70367-a406-4b28-8814-387bb60613ea/1.png</image:loc>
      <image:title>Media Features &amp; Articles 传播媒介和文章 - HDB vs Private Property Conveyancing: What’s the Difference?</image:title>
      <image:caption>If you are buying or selling property in Singapore, one of the most common questions is whether HDB conveyancing and private property conveyancing are the same. While both involve transferring ownership of property, the legal process, risks, and requirements differ significantly. Understanding these differences helps you avoid delays, rejected submissions, and costly mistakes—especially when deciding whether and when to engage a conveyancing lawyer in Singapore.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.yylee.sg/media-features-articles/conveyancing-fees-singapore</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2026-03-09</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/687750dd5ce5664b2b8a411c/3d508019-9a46-43b9-9ba7-621f4f239e3a/3.png</image:loc>
      <image:title>Media Features &amp; Articles 传播媒介和文章 - Conveyancing Fees in Singapore: How Much Does a Conveyancing Lawyer Cost?</image:title>
      <image:caption>One of the first questions property buyers and sellers ask is: how much does a conveyancing lawyer in Singapore cost? While conveyancing fees are often marketed as “fixed” or “cheap,” the true cost depends on the type of property, transaction complexity, and whether CPF, bank financing, or special circumstances are involved.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.yylee.sg/media-features-articles/what-does-conveyancing-lawyer-do-singapore</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2026-03-09</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/687750dd5ce5664b2b8a411c/d63d1296-cce9-48a3-b1f0-77061541dabc/conveyancing+lawyer+in+singapore</image:loc>
      <image:title>Media Features &amp; Articles 传播媒介和文章 - What Does a Conveyancing Lawyer Do in Singapore?</image:title>
      <image:caption>A conveyancing lawyer in Singapore is responsible for handling the legal work involved in buying, selling, or transferring property, ensuring that ownership is transferred correctly and that your financial and legal interests are protected throughout the transaction.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.yylee.sg/media-features-articles/conveyancing-lawyer-singapore</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2026-03-09</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/687750dd5ce5664b2b8a411c/f97f3233-54f6-4713-af82-8bdfc7639972/conveyancing+lawyer</image:loc>
      <image:title>Media Features &amp; Articles 传播媒介和文章 - Conveyancing Lawyer Singapore: Complete Guide to Property Transfers, Costs &amp;amp; Legal Process</image:title>
      <image:caption>A conveyancing lawyer in Singapore plays a critical role in ensuring that property transactions are legally sound, financially safe, and completed without costly mistakes. Whether you are buying, selling, or transferring property, conveyancing is not just paperwork—it is a legal safeguard that protects your ownership rights, CPF funds, and financial interests.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.yylee.sg/media-features-articles/executor-of-will-singapore</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-12-16</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/687750dd5ce5664b2b8a411c/75557133-8728-4ef1-962a-49cf49985aa4/YYL+-+Blog+Banner+for+Website+Content.png</image:loc>
      <image:title>Media Features &amp; Articles 传播媒介和文章 - Who Can Be an Executor of a Will in Singapore?</image:title>
      <image:caption>An executor of a Will in Singapore is the person legally appointed to manage the deceased’s estate, apply for the Grant of Probate, and distribute assets according to the Will. Executors must be over 21 years old, mentally sound, and trustworthy. You can appoint more than one executor, including family members, beneficiaries, or a lawyer to ensure the estate is handled professionally.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.yylee.sg/media-features-articles/what-assets-require-probate-singapore</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-12-16</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/687750dd5ce5664b2b8a411c/e0d77ca5-3b6e-48a9-8302-f6ad97425a7a/YYL+-+Blog+Banner+for+Website+Content.png</image:loc>
      <image:title>Media Features &amp; Articles 传播媒介和文章 - What Assets Require Probate in Singapore?</image:title>
      <image:caption>Not all assets in Singapore require probate. Assets solely owned by the deceased—such as property, bank accounts, and investments—usually require a Grant of Probate to be managed or distributed. Jointly owned assets typically transfer automatically to the surviving owner, while CPF and insurance proceeds with valid nominations are released without probate.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.yylee.sg/media-features-articles/probate-timeline-singapore</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-12-16</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/687750dd5ce5664b2b8a411c/3b3199f4-8997-4821-b829-d6d6fd6c1276/YYL+-+Blog+Banner+for+Website+Content.png</image:loc>
      <image:title>Media Features &amp; Articles 传播媒介和文章 - How Long Does Probate Take in Singapore?</image:title>
      <image:caption>Probate in Singapore usually takes six to twelve months. The timeline depends on factors such as disputes, overseas assets, or missing documents. A probate lawyer Singapore can help avoid unnecessary delays.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.yylee.sg/media-features-articles/grant-of-probate-vs-letter-of-administration</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-12-02</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/687750dd5ce5664b2b8a411c/fc0f4850-e5cb-4b86-a4ec-f54e1fd2788c/YYL+-+Blog+Banner+for+Website+Content.png</image:loc>
      <image:title>Media Features &amp; Articles 传播媒介和文章 - Grant of Probate vs. Letters of Administration: What’s the Difference?</image:title>
      <image:caption>A grant of probate in Singapore is issued when there is a valid will, giving the executor authority to manage the estate. A letter of administration applies when there is no will, and the court appoints an administrator.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.yylee.sg/media-features-articles/probate-process-singapore</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-12-02</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/687750dd5ce5664b2b8a411c/1763691304217-BZB0UDZKO94E1TXX4Z9C/YYL+-+Blog+Banner+for+Website+Content.png</image:loc>
      <image:title>Media Features &amp; Articles 传播媒介和文章 - What is the Probate Process in Singapore and How Does It Work?</image:title>
      <image:caption>The probate process in Singapore validates a will and authorises the executor to manage the estate. It involves filing for a grant of probate and distributing assets according to the will.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.yylee.sg/media-features-articles/decoupling-hdb-ec-with-loan</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-11-21</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/687750dd5ce5664b2b8a411c/9756a158-01bb-4169-82f2-0fdcf3011711/YYL+-+Blog+Banner+for+Website+Content+%281%29.png</image:loc>
      <image:title>Media Features &amp; Articles 传播媒介和文章 - Can I Decouple My HDB If I Still Have a Loan? Legal Workarounds Explained</image:title>
      <image:caption>HDB flats in Singapore cannot be decoupled anymore unless through divorce. For ECs, however, decoupling is possible after 5 years—even with an outstanding loan. In such cases, the staying owner must qualify for a new mortgage, refinance or restructure the existing loan, and ensure CPF refunds are completed. A decoupling lawyer helps manage refinancing, CPF compliance, and legal documentation.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.yylee.sg/media-features-articles/hdb-ec-decoupling-mistakes</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-10-14</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/687750dd5ce5664b2b8a411c/aff73206-0054-4214-a74f-4ad7e26470a0/YYL+-+Blog+Banner+for+Website+Content.png</image:loc>
      <image:title>Media Features &amp; Articles 传播媒介和文章 - Common Mistakes HDB Owners Make When Decoupling—and How to Avoid Them</image:title>
      <image:caption>HDB flats in Singapore can no longer be decoupled voluntarily. Ownership transfers are only allowed in divorce, while ECs can be decoupled after 5 years. Mistakes such as miscalculating CPF refunds, overlooking loan refinancing, or attempting DIY paperwork without a lawyer can lead to costly delays or rejection. A decoupling lawyer helps ensure compliance, proper documentation, and smooth execution.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.yylee.sg/media-features-articles/prepare-for-divorce-singapore</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-10-13</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/687750dd5ce5664b2b8a411c/3f018598-726a-4651-ad02-284977f4868a/YYL+-+Blog+Banner+for+Website+Content.png</image:loc>
      <image:title>Media Features &amp; Articles 传播媒介和文章 - Navigating the Storm: How to Prepare for a Divorce in Singapore</image:title>
      <image:caption>If you’re wondering how to prepare for a divorce in Singapore, start by seeking legal advice, organizing your finances, and setting clear goals for life after marriage. Good preparation helps reduce emotional stress and ensures fairer decisions throughout your case.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.yylee.sg/media-features-articles/do-you-need-lawyer-decouple-hdb-ec</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-10-13</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/687750dd5ce5664b2b8a411c/ad173efc-a536-4af4-ac9b-4788c53c6db1/YYL+-+Blog+Banner+for+Website+Content+%281%29.png</image:loc>
      <image:title>Media Features &amp; Articles 传播媒介和文章 - Do You Need a Lawyer to Decouple Your HDB? What They Actually Do for You</image:title>
      <image:caption>HDB flats can no longer be decoupled voluntarily in Singapore. The only exception is through divorce, where the court orders an ownership transfer. Executive Condominiums (ECs), however, can be decoupled after 5 years. A decoupling lawyer is essential to manage CPF refunds, mortgage refinancing, and legal documentation in both HDB divorce cases and EC decoupling.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.yylee.sg/media-features-articles/cpf-refund-hdb-ec-decoupling</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-10-13</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/687750dd5ce5664b2b8a411c/28b22d16-2754-4f15-8c17-d9ab093dc0a6/YYL+-+Blog+Banner+for+Website+Content.png</image:loc>
      <image:title>Media Features &amp; Articles 传播媒介和文章 - CPF Refund Rules When Decoupling Your HDB: Don’t Get Caught Off Guard</image:title>
      <image:caption>You can no longer decouple an HDB flat unless through divorce. In such cases, CPF refunds are mandatory for all funds used plus accrued interest. For ECs, which can be decoupled after 5 years, CPF refund rules also apply—whether through a Sale &amp; Purchase agreement or a gift transfer. A decoupling lawyer can help calculate refund amounts, manage paperwork, and prevent costly mistakes.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.yylee.sg/media-features-articles/decoupling-ec-sale-vs-gift</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-10-13</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/687750dd5ce5664b2b8a411c/8ffd3589-1803-489c-88d6-866a406f4ec4/YYL+-+Blog+Banner+for+Website+Content.png</image:loc>
      <image:title>Media Features &amp; Articles 传播媒介和文章 - Can You Still Decouple an HDB? The Truth About S&amp;amp;P vs Gift Methods</image:title>
      <image:caption>You can no longer decouple an HDB flat in Singapore except through divorce, as the loophole has been closed. However, Executive Condominiums (ECs) can be decoupled after 5 years when they become private property—either via a Sale &amp; Purchase (S&amp;P) agreement or a gift transfer. Both options require full CPF refunds with interest, possible loan refinancing, and legal documentation. A decoupling lawyer can advise on the best approach for your situation.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.yylee.sg/media-features-articles/decoupling-hdb-singapore-guide</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-10-10</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/687750dd5ce5664b2b8a411c/220eab27-7ccc-4e68-91b0-a6c426b1c6a6/YYL+-+Blog+Banner+for+Website+Content+%281%29.png</image:loc>
      <image:title>Media Features &amp; Articles 传播媒介和文章 - Decoupling HDB in Singapore: Complete Guide to Avoiding ABSD and Unlocking Your Second Property</image:title>
      <image:caption>You can no longer decouple an HDB flat in Singapore, as HDB has closed this loophole. The only way to “decouple” an HDB is through a divorce, where the court orders a transfer of ownership. However, Executive Condominiums (ECs) can be decoupled after the 5-year Minimum Occupation Period (MOP), since they are treated as private property. In all cases, CPF refunds and accrued interest must be settled, and engaging a decoupling lawyer is essential to ensure compliance.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.yylee.sg/media-features-articles/register-lasting-power-of-attorney-singapore</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-10-10</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/687750dd5ce5664b2b8a411c/cec963f9-c4d3-4cc7-a83a-36a616009c2a/3.png</image:loc>
      <image:title>Media Features &amp; Articles 传播媒介和文章 - Step-by-Step: How to Register a Lasting Power of Attorney in Singapore</image:title>
      <image:caption>To register a Lasting Power of Attorney (LPA) in Singapore, choose your donee(s), complete either Form 1 or Form 2, and have it certified by an accredited certificate issuer. Submit the application through the OPG e-Services portal. After a mandatory waiting period for objections, the LPA is officially registered. The whole process usually takes about 6–8 weeks.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.yylee.sg/media-features-articles/lpa-vs-will-singapore</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-09-05</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/687750dd5ce5664b2b8a411c/4608b272-43b7-4d8b-9723-6dd5f8dec89b/2.png</image:loc>
      <image:title>Media Features &amp; Articles 传播媒介和文章 - LPA vs Will in Singapore: What’s the Difference and Do You Need Both?</image:title>
      <image:caption>A Lasting Power of Attorney (LPA) in Singapore allows you to appoint someone to make decisions for you if you lose mental capacity, while a Will only takes effect after death to distribute your estate. Both serve different purposes but complement each other in estate planning. Without an LPA, your family must apply to court for deputyship, and without a Will, assets are distributed under intestacy laws. Having both ensures your affairs are managed during your lifetime and after your passing.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.yylee.sg/media-features-articles/lasting-power-of-attorney-process-singapore</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-09-05</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/687750dd5ce5664b2b8a411c/a496f604-efdf-4e51-9731-ae16b92cc722/1</image:loc>
      <image:title>Media Features &amp; Articles 传播媒介和文章 - Lasting Power of Attorney (LPA) in Singapore: Complete Process, Cost &amp;amp; Benefits Explained</image:title>
      <image:caption>A Lasting Power of Attorney (LPA) in Singapore is a legal document that lets you appoint someone to manage your affairs if you lose mental capacity. The process includes preparing the application, certifying it with an LPA certificate issuer, and registering it with the Office of the Public Guardian. Costs vary depending on whether you use Form 1 or Form 2 and if legal or medical professionals are involved. An LPA helps secure your future by ensuring decisions are made by a trusted person, not left to court processes.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.yylee.sg/media-features-articles/risks-of-decoupling-property</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-10-12</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/687750dd5ce5664b2b8a411c/0eb6c61c-e99c-430e-855f-97cfd1df8558/YYL-Article-Image-16-750x465.png.webp</image:loc>
      <image:title>Media Features &amp; Articles 传播媒介和文章 - Legal &amp;amp; Financial Risks of Decoupling Property in Singapore: What Most People Overlook</image:title>
      <image:caption>While decoupling property in Singapore is a popular strategy to avoid Additional Buyer’s Stamp Duty (ABSD), many homeowners jump into it without understanding the legal and financial risks involved. Yes, the potential tax savings are real—but the costs, complications, and consequences can be significant if you don’t plan it right.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.yylee.sg/media-features-articles/decoupling-sale-vs-gift</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-10-13</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/687750dd5ce5664b2b8a411c/fc7116df-614c-4d7a-ac00-ca746c587ff1/YYL-Article-Image-15-750x465.png.webp</image:loc>
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