I have 30k of cash savings. Just got BTO unit under sbf. Bare unit and renovation will cost ard 25k. Should i take partial or full renovation loan? Keep 10k emergency savings and invest to leverage?

Bro u do wrong already. With 30k total savings you should not have bought a flat or settled down. Two wrongs don't make a right. You are 5-0 down in injury time, I'm afraid this match is lost.

Hi there, depending on whether your cash savings $30K is set aside for renovation. If it's all you have (inclusive of emergency savings), you will definitely have to put aside some for emergency.

• Spend Suggest you can renovate the must-haves + simplify - e.g. vinyl instead of tiles, less built-in carpentary, more buy off shelf cabinets, compare prices (online vs physical sale), engage contractor instead of ID (can save 30-50%) but need more attention in coordinating. Must-have furnitures and appliances - look for interest-free/low interest instalments? Do up a budget/list, identify must-haves / later then buy items.
• Invest If after renovation/furniture/appliance, still have balance (or emergency fund - not using in short term) can invest.