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Renovation Details

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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."
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"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
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"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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Renovation Loans

Maintenance & Repair

Thinking of the perfect dream house of yours but lack the cash for renovations? Singapore banks offer Renovation loan to help you finance the costs of renovations for all types of completed or under construction residential properties. However, here are a few things to look out for before taking on a Renovation loan.

 

What to look for when applying for Renovation loans?



Thinking of the perfect dream house of   yours but lack the cash for renovations?  Singapore banks offer Renovation loan  to help you finance the costs of  renovations for all types of completed or  under construction residential  properties. However, here are a few  things to look out for before taking on a  Renovation loan.

          

1. 
Quantum of loan

 

Loan amount varies from bank to bank,  and is typically capped at 6 times your monthly income or $30,000, whichever is lower. Before  embarking on your renovation, you may first want to make a rough estimate of your renovation costs so as to facilitate the process of looking for a bank that can suit your renovation needs.

 
      2.  Tenure of repayment and interest rates

 

 

Loan tenure is the number of years, which you, the borrower, have to repay the loan. Banks typically offer loan tenures of up to 5 years. In addition, you may also find Interest Rates, Effective Interest Rates and Monthly Installment Amount being tabulated.

 

A little calculation may show that although effective interest rates for the shorter tenures are higher, the total repayable amount in fact lesser. Further, do keep in mind that a renovation loan is a liability/ debt that you have taken upon yourself and it may be advisable to keep the loan tenure short (if you have the ability to repay quickly).

 

3.      Fees and Charges

 

Bank charges a variety of additional fees for the Renovation loan, on top of your repayment amount, such as processing fee, disbursement fee, late payment fee, cancellation fee, full repayment fee and partial prepayment fee. Do note the fees chargeable, if applicable, as it will add on to your total liabilities.

 
      4.  Requirements

 

It is important to note that not everyone is eligible to apply for a Renovation loan. Applicants (single or joint) are required to have a minimum annual income of a specified sum before the loan may be approved. The specified sum varies from bank to bank.

 

Further, banks will require certain documents for the administration of your Renovation Loan. In addition to general documents, specific documents such as (i) an original contractor’s quotation/ invoice duly signed by the applicant and contractor, (ii) proof of renovation permit, (iii) proof of ownership of property to be renovated, may have to be provided. Do ensure that you have all the required documents before heading down to the bank to apply for a Renovation loan to avoid any inconvenience that may be caused by the lack of documents.

 



Take a look at our forum community where new Homeowners from Singapore share their renovation journey. 

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