# The 15-Month Policy Is Gone. The Rule That Can Cost You $100,000 Isn't.

> **The take:** The expensive rule is the one that stayed, not the one that went.
> **Angle source:** Gap in the source video — it never mentions ABSD.
> **A/B alt title (declarative):** 15-Month Policy Removed: The 6-Month Rule Is the Expensive One
> **Runtime:** ~60 seconds · **Keyword:** 15-Month Policy

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## TALKING SCRIPT

Everybody is celebrating the 15-month policy disappearing. Almost nobody is talking about the rule that stayed, and it's the one that costs real money.

When you buy a resale flat as a private property owner, ABSD remission is given upfront. You pay nothing at purchase. It feels free.

It isn't. It's conditional. You must dispose of all your private residential property — Singapore and overseas — within six months of completing that flat purchase. Miss it, and the remission gets clawed back.

Here's what actually changed. Before, you sold first, waited fifteen months, then bought. The sale was already done. Now you can buy first — so for the first time you're carrying a six-month deadline on a sale you haven't made.

If your condo takes eight months to move, that's not inconvenient. That's a five or six-figure tax bill.

Buying first is now allowed. It is not automatically smart.

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## DM MAGNET

DM me **"15ABSD"** and I'll send you the disposal timeline checklist plus an honest read on how fast your unit would actually move.

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## FACTS USED

- IRAS: ABSD remission given upfront to SC buyers downgrading private to HDB resale
- Conditional on disposing all private residential property, SG and overseas, within 6 months of completion

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