SELECT ID, TO_CHAR(TD1,'YYYY-MM') TD1, TO_CHAR(TD2,'YYYY-MM') TD2, TO_CHAR(TD3,'YYYY-MM') TD3, PAYAMT
FROM (
SELECT ID, TD1, TD2, LAG(TD2) OVER (PARTITION BY ID ORDER BY TD2) TD3, PAYAMT
FROM (
SELECT ID, TO_DATE(TRDT_DATE,'YYYY-MM') TD1,
    LAG(TO_DATE(TRDT_DATE,'YYYY-MM')) OVER (PARTITION BY ID ORDER BY TRDT_DATE) TD2,
    PAYAMT
FROM (
SELECT 1 ID, '2005-05' TRDT_DATE, 400 PAYAMT FROM DUAL
UNION ALL SELECT 1 ID, '2005-06' TRDT_DATE, 300 PAYAMT FROM DUAL
UNION ALL SELECT 1 ID, '2005-07' TRDT_DATE, 350 PAYAMT FROM DUAL
UNION ALL SELECT 2 ID, '2005-05' TRDT_DATE, 320 PAYAMT FROM DUAL
UNION ALL SELECT 2 ID, '2005-07' TRDT_DATE, 400 PAYAMT FROM DUAL
UNION ALL SELECT 2 ID, '2005-09' TRDT_DATE, 450 PAYAMT FROM DUAL
UNION ALL SELECT 3 ID, '2005-05' TRDT_DATE, 330 PAYAMT FROM DUAL
) )
ORDER BY ID, TD1
) WHERE MONTHS_BETWEEN(TD1, TD2) = 1 AND  MONTHS_BETWEEN(TD2, TD3) = 1

대충 만들어 봤는데 참고하세요 ^^

테이블명이 tab1 이라고 할때,.....

SELECT DISTINCT ID
           FROM (SELECT     c.ID,
                              LENGTH
                                 (SYS_CONNECT_BY_PATH (c.trdt_date, '/')
                                 )
                            / 8 AS cont_mon
                       FROM (SELECT   a.ID, a.trdt_date, b.ID AS id_2,
                                      b.trdt_date AS trdt_date_2
                                 FROM tab1 a, tab1 b
                                WHERE a.ID = b.ID(+)
                                  AND a.trdt_date =
                                         TO_CHAR (TO_DATE (b.trdt_date(+),
                                                           'YYYY-MM') - 1,
                                                  'YYYY-MM'
                                                 )
                             ORDER BY a.ID, a.trdt_date) c
                 CONNECT BY PRIOR c.trdt_date_2 = c.trdt_date
                        AND PRIOR c.id_2 = c.ID) d
          WHERE d.cont_mon >= 3