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Renovation Details

Property Type

HDB

Condo

Landed

Commercial

Property Status

Area Size

Floor Plan (optional)

Renovation Details

Renovation Budget

Key Collection Period

Loan Required

I'm interested in free 12 month home insurance!

We provided protection for you and your family losses caused by any of the insured perils

Consent to contact
I confirm that the information I have provided is my personal data.
By providing this information, I understand that AXA Insurance Pte Ltd (collectively “AXA”) and their respective representatives or agents may collect, use, and/or disclose the information I have provided for the purpose of contacting me about products and services offered by AXA, and I give my consent for AXA and their respective representatives and agents to contact me for this purpose by Telephone, Text Message & Email.

*Terms and Conditions
This offer of the complimentary 1st Year free coverage for Smart Home Essential with basic Sum Assured of $50,000 on Fixttures, Fittings & Renovation, $250,000 Worldwide Personal Liability coverage is exclusively for RenoTalk visitors. Each participant is entitied to one time redemption only and the offer are not exchanged for cash. In consideration of Desmond Kwa Organisation’s collaborations with different corporations, each participant;s member is only entitled to one time. If you have previously enjoy a promotion from Desmond Kwa Organisation you will not be eligible for this offer.

*The offers are only valid for insurance plans purchased from AXA Financial Planners appointed by Frankie Tong Unit of Desmond Kwa Organisation, an agency unit representing AXA Insurance Private Limited. Frankie Tong Unit of Desmond Kwa Organisation reserves the right to change the terms and conditions without prior notice.

Disclaimers:
1. This form is not a contract of insurance. The precise terms and conditions of the plan are specified in the policy contract.
2. Buying a life insurance policy can be a long-term commitment. An early termination of the policy usually involves high costs and the surrender value payable may be less than the total premiums paid.
3. The above is for your information only and does not have any regard to your specific investment objectives, financial situation and any of your particular needs. You may wish to seek advice from an AXA Financial Planner before making a commitment to purchase the product. In the event that you choose not to seek advice from an AXA Financial Planner, you should consider whether the product in question is suitable for you.
4. A product summary is available and may be obtained from AXA Insurance Private Limited and the participating distributors' offices. You should read the product summary before deciding whether to purchase the policy.
5. Buying health insurance products that are not suitable for you may impact your ability to finance your future healthcare needs.
6.Investments in investment-linked policies (“ILP”) are subjected to investment risks including the possible loss of the principal amount invested. The value of units in the ILP sub-fund and the income accruing to the units, if any, may fall or rise. You should read the product summary and the product highlights sheet (“PHS”) before deciding whether to subscribe for units in the ILP sub-fund. The product summary and the PHS may be obtained from a Financial Planner representing AXA Life Insurance Singapore Private Limited.
7. The insurance policy featured in this form is protected under the Policy Owners' Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you should you buy the policy. For more information on the types of benefi­ts that are covered under the Policy Owners' Protection Scheme as well as the limits of coverage, where applicable, please visit the AXA website at www.axa.com.sg or visit the LIA or SDIC websites (www.lia.org.sg or www.sdic.org.sg) for a copy of the SDIC Guide on PPF Scheme (Life Insurance).

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What's in it for me? 5 Quotations (up to) from reputable interior designers FREE Curated Renovation Packages 24 Hour quick turnaround Join the growing 46,923satisfied homeowners
Your Renovation Budget? Homeowners with similar property type spend $35,000 SGD on average
"I Saved Up to 50%" Ashok Kumar, Homeowner "I was so stressed while looking for a good interior design company, so I'm really grateful to have stumbled upon Renotalk as they streamlined this tedious process by half! The condominium packages were a bargain, and I can safely say I've saved up to 50% from them."
Send me goodies, exclusive deals, and Inspiration for my home! We pinky promise not to spam your mailbox! Sign me up
"I Saved Up to 30%" Muhammad Fahmi, Homeowner "I used RenoTalk's method of getting quotes and received many attractive packages without hassling & bargaining! I even gained an extra 30% value and better service from the Renovators!"
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What's in it for me? 5 Quotations (up to) from reputable interior designers FREE Curated Renovation Packages 24 Hour quick turnaround Join the growing 46,923satisfied homeowners
Send me goodies, exclusive deals, and Inspiration for my home! We pinky promise not to spam your mailbox! Sign me up
"I Saved Up to 30%" Muhammad Fahmi, Homeowner "I used RenoTalk's method of getting quotes and received many attractive packages without hassling & bargaining! I even gained an extra 30% value and better service from the Renovators!"
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Home Renovation: How to be Financially Prudent?

Finances


The rule is simple. Do not spend more than you can afford. This adage has added impetus when it comes to budgeting for your home renovation.

Continuously ask yourself these two questions; “How much can you afford?” and “Where is that money coming from?”  


Spending Too Much


Home renovation expenses need to be balanced against your goals. A young couple who emphasize on the design aspects of their house will significantly differ to an elderly couple who prefers functionality in their home.

Similarly, the amount you spend on your home renovation will vary depending on your individual needs. The style of your home will also be a factor. Investing in a more opulent bathroom, for example, may deem necessary to complement a home's luxury appeal.

There is, though, one thing in common – home renovation can get expensive.

And due to some miscalculated decisions, homeowners might end up spending a little too much on renovations which they can do without.

As many might agree, home renovations could cost more than you budgeted and will take more time than you planned.



Image via: iMoney Singapore   


Do You Need That?


Let’s start with the false ceiling.

Now, the false ceiling is a ceiling that is made beneath the main ceiling of the room. It functions to conceal wiring and to alter the aesthetics of a ceiling.

The right renovation contractor will be able to conceal wires without false ceiling. In this digitalized age, it is unlikely that you will see wires jutting from one corner of the room to the other.

Another common renovation mistake is when homeowners decide to rip out and replace a perfectly good bathroom.

Changing the layout of your plumbing is not only costly but also time-consuming. Instead, opt to replace the vanity, tapware, and wall tiles.

Some might also regard the toilet as their sanctuary and will attempt to revamp the whole bathroom. But do realize that you can achieve a new bathroom look with just a few cosmetic changes and touch-ups.

The kitchen is a place where homeowners tend to overspend the most. This is partly due to the many parts of a kitchen: counters, appliances, fixtures, cabinets, lighting, and flooring.

These items come in a multitude of choices with varying price difference. It is best for homeowners to consider the most suitable option before making that purchase decision.

Some might choose a higher grade of quartz or marble for their kitchen counter. But the truth is, a higher grade material will not necessarily result in a substantial visual difference than the lesser priced option.  


Keep Within Your Budget


The most economical way to pay for a renovation is with your savings. It mostly caters to smaller renovation projects and may not be feasible for homeowners who are doing a complete home makeover.

In a nutshell, it is essential to keep spending within a range that fits your long-term financial goals. Please seek advice from a financial adviser to determine and understand the best way to cover your renovation costs.

Request for quotes and we'll match you with a selection of Interior Designers!

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× Welcome back to the homeowners' community Log In with Facebook Log In with Google or
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Renovation Details

Property Type

HDB

Condo

Landed

Commercial

Property Status

Area Size

Floor Plan (optional)

Renovation Details

Renovation Budget

Key Collection Period

Loan Required

I'm interested in free 12 month home insurance!

We provided protection for you and your family losses caused by any of the insured perils

Consent to contact
I confirm that the information I have provided is my personal data.
By providing this information, I understand that AXA Insurance Pte Ltd (collectively “AXA”) and their respective representatives or agents may collect, use, and/or disclose the information I have provided for the purpose of contacting me about products and services offered by AXA, and I give my consent for AXA and their respective representatives and agents to contact me for this purpose by Telephone, Text Message & Email.

*Terms and Conditions
This offer of the complimentary 1st Year free coverage for Smart Home Essential with basic Sum Assured of $50,000 on Fixttures, Fittings & Renovation, $250,000 Worldwide Personal Liability coverage is exclusively for RenoTalk visitors. Each participant is entitied to one time redemption only and the offer are not exchanged for cash. In consideration of Desmond Kwa Organisation’s collaborations with different corporations, each participant;s member is only entitled to one time. If you have previously enjoy a promotion from Desmond Kwa Organisation you will not be eligible for this offer.

*The offers are only valid for insurance plans purchased from AXA Financial Planners appointed by Frankie Tong Unit of Desmond Kwa Organisation, an agency unit representing AXA Insurance Private Limited. Frankie Tong Unit of Desmond Kwa Organisation reserves the right to change the terms and conditions without prior notice.

Disclaimers:
1. This form is not a contract of insurance. The precise terms and conditions of the plan are specified in the policy contract.
2. Buying a life insurance policy can be a long-term commitment. An early termination of the policy usually involves high costs and the surrender value payable may be less than the total premiums paid.
3. The above is for your information only and does not have any regard to your specific investment objectives, financial situation and any of your particular needs. You may wish to seek advice from an AXA Financial Planner before making a commitment to purchase the product. In the event that you choose not to seek advice from an AXA Financial Planner, you should consider whether the product in question is suitable for you.
4. A product summary is available and may be obtained from AXA Insurance Private Limited and the participating distributors' offices. You should read the product summary before deciding whether to purchase the policy.
5. Buying health insurance products that are not suitable for you may impact your ability to finance your future healthcare needs.
6.Investments in investment-linked policies (“ILP”) are subjected to investment risks including the possible loss of the principal amount invested. The value of units in the ILP sub-fund and the income accruing to the units, if any, may fall or rise. You should read the product summary and the product highlights sheet (“PHS”) before deciding whether to subscribe for units in the ILP sub-fund. The product summary and the PHS may be obtained from a Financial Planner representing AXA Life Insurance Singapore Private Limited.
7. The insurance policy featured in this form is protected under the Policy Owners' Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you should you buy the policy. For more information on the types of benefi­ts that are covered under the Policy Owners' Protection Scheme as well as the limits of coverage, where applicable, please visit the AXA website at www.axa.com.sg or visit the LIA or SDIC websites (www.lia.org.sg or www.sdic.org.sg) for a copy of the SDIC Guide on PPF Scheme (Life Insurance).

Contact Information

Name

Contact Number

E-mail

Our team will contact you shortly after you submit this request. Do ensure that your contact details above are correct.

By submitting, you are accepting our Terms of Service and Privacy Policy

What's in it for me? 5 Quotations (up to) from reputable interior designers FREE Curated Renovation Packages 24 Hour quick turnaround Join the growing 46,923satisfied homeowners
Your Renovation Budget? Homeowners with similar property type spend $35,000 SGD on average
"I Saved Up to 50%" Ashok Kumar, Homeowner "I was so stressed while looking for a good interior design company, so I'm really grateful to have stumbled upon Renotalk as they streamlined this tedious process by half! The condominium packages were a bargain, and I can safely say I've saved up to 50% from them."
Send me goodies, exclusive deals, and Inspiration for my home! We pinky promise not to spam your mailbox! Sign me up
"I Saved Up to 30%" Muhammad Fahmi, Homeowner "I used RenoTalk's method of getting quotes and received many attractive packages without hassling & bargaining! I even gained an extra 30% value and better service from the Renovators!"
×
Maintenance Details

Property Status

What service do you need?

Network Services
Mover
Storage
Aircon Services
Electrician
Home Automation
Caterer
Carpentry
Flowers Delivery
Painter
Laundry System
Landscaping

Contact Information

Name

Contact Number

E-mail

Our team will contact you shortly after you submit this request. Do ensure that your contact details above are correct.

By submitting, you are accepting our Terms of Service and Privacy Policy

What's in it for me? 5 Quotations (up to) from reputable interior designers FREE Curated Renovation Packages 24 Hour quick turnaround Join the growing 46,923satisfied homeowners
Send me goodies, exclusive deals, and Inspiration for my home! We pinky promise not to spam your mailbox! Sign me up
"I Saved Up to 30%" Muhammad Fahmi, Homeowner "I used RenoTalk's method of getting quotes and received many attractive packages without hassling & bargaining! I even gained an extra 30% value and better service from the Renovators!"
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