Episode 12 · 54s
The 99-Year Clock — When a Leasehold Condo Becomes a Countdown
Property Phases 5 of 5: past a certain age a leasehold condo stops behaving like an asset — lease decay, tighter loans and rising bills all arrive together.
Key takeaways
- 1
The official leasehold table (SLA's “Bala's Table”): about 80% of freehold value at 60 years left, 60% at 30 years, and 40% at 15 years.
- 2
The market moves earlier than the math — below 60 years on the lease, banks start cutting loan limits.
- 3
Fewer buyers qualify, so your exit pool shrinks exactly when you need it most.
- 4
Ageing buildings send invoices: one 31-year-old development along the East Coast needed a $1.7 million special levy just to overhaul its lifts (Fernwood Towers, The Straits Times, Aug 2025).
- 5
The lesson of all four phases: enter early, exit on time, and never let the clock decide for you.
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