Any recommendation for payment strategies for New BTO, renovation loan and purchasing appliances?

CFA-OA

AI can recommend.

Personally, I will use/empty CPF OA to pay, and with HDB loan at max tenture to cover the remaining mortgage.

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Some finance bros will argue for full HDB loan and not touching CPF OA because the HDB interest rate is low and cheap.

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Personally, I feel you must save up for renovation and furniture. You should NOT take renovation loan at all. So if you are planning to buy a house in the future, you must start saving now. For me, I estimated 2 room hdb to spend 30k, with additional room at 15 k increment. So if I am buying a two room flexi bto, I will have at least 30 k × 2 for the renovation and furniture. The × 2 part is in case of horrible contractors.

Be careful of renovation firms. Make sure they are enrolled under Case