The 15-Month Policy Says You Can Downgrade Now. Should You?
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THE TAKE: Ability is not a reason. The quantum math often argues against downgrading.
ALT TITLE: 15-Month Policy Removed: Don't Downgrade Just Because You Now Can
RUNTIME: ~60 seconds

--- TALKING SCRIPT ---

The 15-month policy is gone and suddenly everyone is telling private owners to downgrade. Before you do, one number.

Say your HDB grows twenty percent and your condo grows only fifteen. Sounds like the flat wins. Twenty percent of a six hundred thousand dollar flat is a hundred and twenty thousand. Fifteen percent of a two million dollar condo is three hundred thousand.

The smaller percentage made two and a half times more money. That's quantum. It's what percentages hide.

That doesn't mean don't downgrade. If the loan is stressing you, if you want cash out, if you're done with maintenance fees — downgrading can be exactly right. Cash beats paper gains you can't sleep on.

It means don't downgrade because a policy changed. Downgrade because your numbers changed.

The 15-month policy removal gives you an option. It doesn't tell you to take it.

--- DM MAGNET ---

DM me "15QUANTUM" and I'll run both your numbers side by side — your unit versus the flat you're eyeing. No pitch at the end.

--- FACTS USED ---

- Once you buy an HDB flat you must complete MOP before buying private again
- 30-month wait-out still applies if you want an HDB housing loan

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 They may be incomplete, out of date, or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/should-you-downgrade.html