<P>一年。但从银行贷款的可能有罚金。</P>
<P><STRIKE>Resale Flat bought in the open market (without CPF Housing Grant Scheme) <BR> 2½ years from effective date of resale if the owner <STRONG>takes a loan from HDB</STRONG>: </STRIKE></P>
<P> <BR> 1 year from the effective date of resale if <BR>the owner has not taken a loan from HDB; or <BR>he has refinanced HDB market interest rate loan with the bank/financial institution; or <BR>he has taken a loan from the bank/financial institution to finance the purchase; or he has fully redeemed the market interest rate loan obtained from HDB. <BR></P>