Need your assistance on something. My BTO is ready for key collection in 2 months. However, due to some unforeseen situation, money meant for my reno is no longer available as spend on some family matters Now deciding if i should withdraw my flat (give up and lose half of my downpayment) or not. Key reasons are job not really stable and no renovation budget.
I have seen many different bto packages which i know does not includes everything like lights and misc costs. What i would like to know is excluding furniture and appliances (which we can buy if we have money slowly next time), a realistic total budget which includes flooring, lights.(basically everything else) how much would that be? This is because I am not eligible for reno loans as i had overspend on my credit cards in the past.
Appreciate advice for those who have done reno for 3 room bto.