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Renovation

Make Informed Renovation Decisions

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Renovation

Renovation Loans

HDB Resale

Retirement

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Should I refinance my home right now with a renovation loan and take advantage of low interest rates to remodel and add value to my home? Living with my parents, resale HDB 72 years left. Thoughts?
It would be better off saving on your own for the renovation that you intend to do for them. I feel that even though interest rates is low for that, the interest rate is calculated like a personal loan basis. Meaning if u take 10k loan at 2% interest rate for 3 years. Your total interest will be $600. Thus even though you are paying a lower rate, but the effective interest rates is higher...

2

Renovation

Lifestyle

HDB BTO

Would you DIY paint your home to save money, or just hire workers and pay for the labour? I heard we can save up to ~$1k if we DIY instead, but not sure if it's worth the effort?
Z

ZY

Level 6. Master

Answered 3w ago

Are you experienced in painting? If not probably hire someone who is good in it to do it. I engaged Nippon paint to paint my flat. It's a bit pricier but they provide consultation on the type of paint, color combination and etc. Alternatively, I have friends who bought paint themselves and hired foreign workers to come paint on their off-days, saved them some money. Painting requires some effort - scraping off old paint, several layers of paint, coating (if needed). Not sure about you, but I know I would have screwed up if I did it myself.

1

Wedding

Savings

Renovation

How much did you all spend on wedding, renovation + furniture, honeymoon? Any savings left afterwards? Need a gauge. Thanks!?
Hi anon, I detailed the bulk of my wedding expenses here along with my honeymoon costs. https://seedly.sg/questions/could-you-share-what-was-your-wedding-honeymoon-budget-breakdown-like We were in the red after the wedding, but had been saving money for a full year to negate this. I spent slightly over $4K over 2 weeks on hotels on my honeymoon. The most costly night was at Mount Fuji, hotel rates there are quite ridiculous, especially around Christmas. Now I'm on to my renovations. It's a resale 5 room and will probably incur at least $60K on renovations, before appliances.

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Personal Loans

Personal Finance 101

Savings

HDB BTO

Renovation

If you need a personal loan (e.g. renovations), do you approach your family (or friends) first, or do you prefer to draw the line by borrowing from the bank?
I will never borrow from friends unless it's a small amount and I can return them the money within the week (nowadays it can be within the hour because of PayNow). Mixing money with friends is like mixing alcohol with driving to me. I don't think I will borrow from my family either... my parents have done enough by raising me (well!) and now I'm able to earn my keep. Feels inappropriate to rely on them like this. Furthermore, things may get messy if you forget to pay back. If you borrow from your family, are you going to pay them interest? Kinda unfair if you don't.

1

Lifestyle

Renovation

Can anyone recommend me the best digital piano?
By digital, do you mean portable also? There are generally 3 types of digital pianos: 1. Hybrid - a mix of upright/grand with digital functions (slient play, headphones, recording). Most expensive option. 2. Digital - More lightweight compared to upright but still takes considerable amount of space. Comes with a lot of functions and capabilities. Mid-range price. 3. Portable - Very lightweight, usually detachable from the stand. Quality varies wildly. Cheapest option. Or are you looking at keyboards? (very light, less emphasis on sound quality, very rare to have keyboard with weighted keys) Yamaha is still one of the best brands. Their CLP series is also wonderful. Casio and Roland also has very good offerings.

1

Property

HDB BTO

Renovation

What is the theme that you would want for your ideal home? Been thinking between minimalistic / modern / urban / zen... Something that looks good but also low maintenance. Ya'll got any preferences?
Minimalist. I mean...the SG environment is already feeling so cluttered and oversaturated, so I don't wanna come home to a cluttered house! Scandi/minimalistic homes tend to feel somewhat cold to me so warm tones are great, mix of light and dark wood, whites and neutrals. There are great options for laminate/wood like tile flooring that are waterproof/scratch resistant so I'll likely be going for that! something like this house perhaps? :) https://instagram.com/cocoyuko_?igshid=jrjb4s0a7zuu

3

Lifestyle

HDB BTO

Renovation

Anyone has a dishwasher at home? Anyone has any brand recommendations or knows if it uses significant electricity and water consumption?
AT

Alice Tan

Level 4. Prodigy

Answered on 23 Oct 2020

I don't have a dishwasher (yet) but I reserved a Miele dishwasher. According to other site statistics of all sets shipped their servicing rate (serviced / sold) is at about 10+%, which is lower compared to most of its competitors. Electricity / water consumption wise you can ask the salespepople haha, iirc some can do a half-load if that helps.

0

Property

HDB Resale

Renovation

Any tips and hacks to reduce the cost of renovations on hdb resale flats??
Andik Imran

Andik Imran

Level 3. Wonderkid

Answered on 19 Oct 2020

The 3 most costly expenses are the flooring, electrical wiring, and carpentry in a renovation. For flooring, if you don't like the color. Opt for overlay instead of tiles. These days, overlay flooring is much easier to maintain and are of better quality. For electrical wiring, try to source your own handyman. However, there must be coordination between your ID and the handyman during the renovation process. You do not want a case where you need to destroy your new featured wall because there is no power outlet for the television. For carpentry, just do the necessary. In my opinion, the kitchen cabinet is a necessary cost while a room wardrobe is not. There are many places you can shop for your furniture. So, just be mindful of these costs and stick to a budget.

2

Property

Lifestyle

Investments

Personal Loans

HDB Resale

Renovation

What do you think would be the most effective way to finance big ticket items linked to a new property purchase like renovation and homeware purchases?
I'm not sure what's the market for renovation loans. I haven't gotten to that stage yet ): I'm also not sure how much more furnishing you need, so my words may not apply: For myself, I plan to move some stuff from my current house to my new house in the future. For example, both my and my husband's house have quite a lot of spare drinkware, so we will bring them over. I also plan to not have furniture which we will not use e.g. cut the sofa and coffee table and just have a dining set. It's a reasonable plan for us because our future living room and dining area will be quite small. Again, not sure if it applies to you. All these savings add up. Plus, save resources (earth too?) by reducing and reusing. There was an article I read (I forgot where...) which encouraged people not to furnish the entire house all at once but to do it slowly and maybe never fully furnish the house. One reason was to allow space for new things to be introduced over time. Another is to help with cash flow. The article (or was it another article?) also encouraged people not to buy entire furniture sets and fill up the house totally. As for renovation, I am not sure how much renovation I want, but elaborate renovations make me wonder how easy it is to clean the house (I do not plan to hire housekeepers). Stuff which I feel are worth renovating for are ceilings, kitchen, wardrobes. I never gave a thought about the bathroom because I opted for HDB's fitting. Last but not least, I have a friend who DIY-ed parts of his home. He gets to save up plus have a novel experience. "Why hire people to do (insert not-so-complicated task) and you go to the gym to work out when you can just DIY and get the workout done at the same time?"

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Property

HDB Resale

Renovation

What criteria to look for in HDB renovation contractor?
Lee John

Lee John

Level 8. Wizard

Answered on 11 Oct 2020

Price, experience and reviews.

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