The 15-Month Policy Lasted Four Years. What Does That Tell You About the Next One?
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THE TAKE: Plan for reversal — every measure is temporary until it isn't.
ALT TITLE: The 15-Month Policy Proves Cooling Measures Are Dials, Not Laws
RUNTIME: ~60 seconds

--- 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.

--- 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.

--- 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.

--- DISCLAIMER ---

These figures were compiled from publicly available online sources, news
reports and community discussion. They may be incomplete, out of date, or
simply wrong. Nothing here is financial, legal or property advice.

Verify every number against the primary source (HDB, MND, URA, IRAS)
before you publish it or advise a client. You are responsible for what
you post under your own name.

Source: https://postai.sg/pseo/15-month-policy/cooling-measures-are-dials.html