For condo owners and investors

Look at the loan against today's value, the instalment at a higher interest rate, the months a unit can sit empty between tenants and, for leasehold property, the remaining lease. Check as well how much of your net worth sits in this one property.

Count the recent transactions in the project and in the ones next to it, and look at achieved rents in URA's rental records. Thin volumes point to a slower exit.

Unsold units nearby, launches in the pipeline and projects about to complete all add competition for buyers and tenants. URA publishes the pipeline figures every quarter.

Seller's Stamp Duty applies if you sell within the holding period, which depends on when you bought. The loan lock-in, the tenancy end date and ABSD on the next purchase each narrow the window. Put the dates on one timeline.

The next buyer's loan and CPF usage depend on the remaining lease and their age. Then compare what you keep by holding with what the same equity could do elsewhere, after every transaction cost. That comparison is the reposition decision.