# Everyone's Asking If the 15-Month Policy Makes Their Flat Worth More. Does Yours?

> **The take:** Most flats get zero benefit. The uplift is narrow and specific.
> **Angle source:** Pushback on the dominant agent narrative; HDB June 2026 segment data.
> **A/B alt title (declarative):** The 15-Month Policy Removal Won't Lift Most Flats At All
> **Runtime:** ~60 seconds · **Keyword:** 15-Month Policy

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## TALKING SCRIPT

Since Tuesday I've had a steady stream of messages saying "so the 15-month policy is gone, my flat is worth more now, right?"

For most of you, honestly — no.

Downgraders leaving private property are picky. They want mature estate, MRT within walking distance, amenities, large layout, decent lease remaining, higher floor.

Tick those and yes, your buyer pool just got bigger and wealthier.

Smaller unit, non-mature town, far from MRT, shorter lease? This policy changes almost nothing for you. Non-mature estate prices are already down zero-point-five percent year on year. Three-room flats down one-point-one.

The market has been splitting for a while. The 15-month policy removal widens that split. It does not lift everybody.

I'd rather tell you that now than watch you overprice, sit for four months, and chase the market down.

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## DM MAGNET

DM me **"15REAL"** with your block and unit type. I'll tell you which side of the split you're on — including when the answer is "this changes nothing."

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## FACTS USED

- June 2026 YoY: mature estates +0.6%, non-mature -0.5%; 3-room -1.1%, 5-room +0.8%
- June 2026 average resale price $663,126; volume -6.1% YoY

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