If u want to get rid of the property. Play show hand with your ex. Dont pay n force him to pay 3600 a month.if he cant pay, then only talk. Either both agreed to sell or both also got into trouble by lelong. After lelong, your ex also could be in same shit as u. Either he top ot up or goes bankrupt. You can try find family members to buy the property from auction if you worry the price too low. Like this u can settle the problem once n for all. Else youe ex later may leaves it to you to shoulder the 3600 a month if u too chicken.

Bbw....now u see the problem of joint name in buying? That's why your gf resist to join name with u in case relationship goes sour.

From the limited info. I draw an assumption that her ex is not willing to talk n sell n exert pressure on TS as she has pressure to come up with the 1800 monthly. To be able to get a loan n pay 3600 a month while TS financially not in a good standing, I believe her ex must be earning quite a good salary. Hence tilt the pressure to him by not paying n she still owns 50%of the property ll eventually force his ex to come to talking terms. If I am her ex, I ll not be stupid to pay 3600 monthly. The ex is also ll lost his job n his career if things goes to worst case n he ll more to lose than TS.

For the couple if buying new launch, I guess they if sell back at new launch price or give up the 10% dp by selling at -10% launching price may not be hard unless both also die die want to sell X+200k like bbw always said.

Even with 10% discounts or rebates, S&P cant put 680k. If 680k, bank ll give loan 90% on the 680k. So I assume your s&p price is about 730-750k n u getting 90% loan + about 5% on misc put under the loan. 3 years down the road, if can sell 730k means not much appreciation...but puchong area mostly got 50% to 100% appreciation leh...