# The 15-Month Policy Is Gone. So Why Are Some Buyers Still Waiting 30 Months?

> **The take:** If you need an HDB loan, nothing changed for you at all.
> **Angle source:** Most misunderstood detail in the announcement.
> **A/B alt title (declarative):** The 15-Month Policy Is Gone. The 30-Month One Isn't.
> **Runtime:** ~60 seconds · **Keyword:** 15-Month Policy

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## TALKING SCRIPT

There's a group of people celebrating the 15-month policy removal who shouldn't be, because it doesn't apply to them.

Read the announcement carefully. The removal covers private property owners buying a non-subsidised HDB resale flat without an HDB housing loan.

Without an HDB housing loan.

If you need an HDB loan — the two-point-six percent one, the higher loan-to-value one — the thirty-month wait-out is completely unchanged. Same for a subsidised flat, CPF housing grants, or a new EC from a developer.

So if you were planning to sell your condo and buy a flat with an HDB loan, you still wait thirty months. Nothing moved.

This matters because it quietly filters who can actually act on this. The people who benefit are the ones with enough cash or bank-loan capacity to skip HDB financing entirely.

Which tells you something about who this policy was really for.

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## DM MAGNET

DM me **"15LOAN"** and I'll check which route actually applies to you — HDB loan, bank loan, or cash — before you make any plans.

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## FACTS USED

- Removal applies only to non-subsidised resale flats purchased without an HDB housing loan
- 30-month wait-out unchanged for subsidised flats, CPF grants, new ECs, and HDB loans

*Data as at 31 July 2026. Verify against HDB/MND before posting.*