60% doesn't know even if they hv EC n turn condo,if it's not liveable after 30 yrs like most hdb ,all hv leak issue n ceiling cement falling down ,they hv to force sale n end up hv to get hdb,cos if not wrong many will not be able to afford rebuilt if it is condo, if in hdb ,hdb will offer old unit woth maybe 80k payout or if total need u start new instalments,lol,all these options is a lost, it happens to my relatives,60% sinkies still dumb