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Returns · Tool 30
Hold vs sell
Expected hold wealth after amortisation and cash flow versus sale equity redeployed elsewhere.
Decision questionWhich use of the trapped equity has the higher expected value?
Rules reviewed10 Aug 2026NAVARO method basis
02 · Primary answerScenario result
Hold advantage
S$95,511Expected future property equity versus net sale equity compounded at the alternative return.Hold future wealthS$1,544,090
Sell / redeploy valueS$1,448,580
Future loan balanceS$510,548
Decision shaperelative scale
NAVARO read
The hold case wins under the entered return assumptions.
03 · Calculation trail
See the number being built.
The line items use the same engine as the primary answer. Negative rows are deductions, not hidden adjustments.
01Net sale equity todayS$1,135,000
02Future property valueS$2,036,535
03Future loan balance−S$510,548
04Net income while heldS$252,000
05Mortgage payments while held−S$188,896
06Sale costs at horizon−S$45,000
07Future wealth if heldS$1,544,090
08Future value if redeployedS$1,448,580
09DifferenceS$95,511