Like all HDB regulated properties, an EC can only be put on the open market after you have met the five-year Minimum Occupancy Period (MOP).

So now that you’ve gotten there, what’s next?

Is it time to sell and reinvest in another property, or hold on?

Here’s how i would approach this topic rationally:

1st, you need to be clear why you would sell right after MOP, instead of after privatisation of the EC at the 10th year mark.

Ask yourself:

1. Is it the herd instinct of following other owners who are cashing out that’s influencing you?

2. Are you afraid that you can no longer realise your profits in the future?

3. Or are you looking for a way to realise the gains immediately and recycle your profits into another higher potential investment property?

A brief walk down memory lane

When ECs first emerged on the market in 1999 (Eastvale in Pasir Ris from $300+K!), the common