When to Sell Your Executive Condominium (EC) After MOP?
So, you've hit the 5-year Minimum Occupation Period (MOP) on your Executive Condominium. Congratulations — you now have options.
But here comes the million-dollar question: Should you sell your EC now, later, or not at all?
In this blog, we’ll break down the pros, cons, and ideal strategies — using our W.A.T.E.R. framework (Wealth Accumulation Towards Early Retirement) to help you make a smart, financially strategic move.
What Happens After MOP?
You can sell it to Singapore Citizens and PRs
You can rent out the entire unit
You’re no longer required to live in the unit yourself
Option 1: Sell Right After MOP (5-Year Mark)
Why Sell Now?
Property prices have likely appreciated since launch
You want to upgrade to a private condo or landed property
You want to cash out profits and rebalance your portfolio
W.A.T.E.R Perspective: Appreciation? Yes. Exit Strategy? Strong. Retirement Planning? Can reinvest for growth.
Option 2: Hold and Sell After 10 Years (Privatisation)
Why Hold?
EC becomes fully privatized
You can sell to foreigners — larger buyer pool
More upside if your EC is near growth areas or MRTs
W.A.T.E.R Perspective: Wealth Preservation and Retirement Planning potential increase over time.
Option 3: Hold for Rental Income
Some EC owners choose to rent out their unit after MOP:
Monthly passive income
Continued asset appreciation
Can still upgrade by buying another property under spouse’s name
W.A.T.E.R Perspective: Ideal for early retirement if rental income is strong and consistent.
Case Study
Jason & Li Ting bought their EC at $880,000 and sold it after MOP for $1.35M. They cleared their loan, upgraded, and set aside $200K for investment. A textbook W.A.T.E.R success story.
Price Appreciation Chart
Final Thoughts
When is the best time to sell? When your decision aligns with your financial and life goals.
Let your W.A.T.E.R strategy guide you:
Wealth Preservation
Appreciation Potential
Timing
Exit Strategy
Retirement Planning
Need a personalised exit strategy for your EC?