# The 15-Month Policy Lasted Four Years. What Does That Tell You About the Next One?

> **The take:** Plan for reversal — every measure is temporary until it isn't.
> **Angle source:** The structural lesson underneath the whole story.
> **A/B alt title (declarative):** The 15-Month Policy Proves Cooling Measures Are Dials, Not Laws
> **Runtime:** ~60 seconds · **Keyword:** 15-Month Policy

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## TALKING SCRIPT

The most useful thing about the 15-month policy isn't what it did. It's what its removal teaches you about planning.

September 2022, it appears. Described as temporary. Four years later, conditions change and it's gone in a single announcement, effective immediately.

Now think about how many people made ten-year decisions assuming that rule was permanent. People who bought private because downgrading was blocked anyway. People who didn't buy private because they feared being trapped. People who rushed a flat purchase in 2022 to beat the deadline.

Every one of them planned around a dial that got turned.

The same is true right now, in reverse. ABSD rates, the SSD holding period, LTV limits, this rule — all dials. All adjustable. If prices run too hot next year, something comes back.

So build a plan that survives the dial moving. Not one that depends on it staying put.

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## DM MAGNET

DM me **"15CYCLE"** and I'll send you every cooling measure since 2018, what it did and how long it lasted. Useful context before any big move.

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## FACTS USED

- Introduced 30 Sept 2022, removed 28 July 2026, both with immediate effect
- SSD extended to a 4-year holding period at 16/12/8/4% on 4 July 2025

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