Property-specific guidance for homeowners facing retrenchment: hold, sell, rent a room, downsize or restructure the loan. Mapped without straying into CPF, insurance or income advice that a licensed financial adviser should give.
Retrenched and getting calls from agents already? Here's what to actually check, mortgage runway, MCST subletting rules, and ABSD timing, before you decide anything about your property.
Primary: Check Your Property’s Retirement, Retrenchment & Legacy Exposure
Property Resilience Check™
Understand your holding pressure, affordability buffer, and risk exposure in under 2 minutes.
Step 1 of 2
A few quick questions to get to know your situation
1. What type of property are you currently residing in?...
Inflation. Retrenchment. Retirement. Legacy. Singapore property addresses all four, but only if you bought right and manage right. James explains the full argument in one article.
Equity loans in Singapore are capped at 75% of valuation, minus your loan and the CPF you used. Stay under 50% and TDSR does not apply. A worked example, the costs, and when selling is the better answer.
For HDB upgraders, renting is usually a bridge, not a lifestyle choice, driven by BTO/new-launch construction delays, the 15-month wait-out period rules for private property buyers, or simple market hesitation.
