# 15-Month Policy Gone — If You're a PR, Why Is Your Downside 6x Bigger?

> **The take:** The removal creates a much higher-stakes decision for PRs than for citizens.
> **Angle source:** Almost every video this week assumed a citizen buyer.
> **A/B alt title (declarative):** 15-Month Policy Gone: SPRs Face 5% vs 30% ABSD
> **Runtime:** ~60 seconds · **Keyword:** 15-Month Policy

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## TALKING SCRIPT

Almost every video about the 15-month policy this week assumed you're a Singapore citizen. If you're a PR, your numbers are completely different and nobody's telling you.

If you're an SPR who owns a private apartment and you downgrade to a resale flat, ABSD remission is given upfront and you pay five percent — not thirty. That's conditional on disposing of your private property within six months of completing the flat purchase.

Five percent instead of thirty. On a seven hundred thousand dollar flat, that's roughly a hundred and seventy-five thousand dollars resting entirely on hitting one deadline.

So the 15-month policy removal helps you the same as anyone. But your downside for missing that six-month window is far heavier, because your baseline rate is so much higher.

Which makes the buy-first-or-sell-first question a genuinely different calculation for you. Please don't take advice built for someone else's tax position.

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## DM MAGNET

DM me **"15SPR"** and I'll walk you through your stamp duty position and the safest sequence for your situation.

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## FACTS USED

- IRAS: SPR owning one private property pays 5% instead of 30% ABSD on an HDB resale downgrade, remission upfront
- Conditional on disposing all private property within 6 months of completion

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