renovation loan

Need home renovation for your dream home but doesn't have enough money after survey the renovation cost? Looking for renovation loan to fulfill your home decor ideas implementation to your Singapore HDB house? Don't worry, you have alternative way to get the renovation cost money for your home renovation in Singapore. You can apply for DBS renovation loan. Below list the the details of eligibility and how to apply for the DBS renovation loan for your HDB home renovation.

Renovation Loan

One of the lowest renovation loan rates in Singapore, at just 2.31% p.a. if your mortgage is already with us.

Here’s what you enjoy with DBS Renovation Loan

• Greater savings from interest rates as low as 2.31% p.a.*
• Flexible repayment period between 1 – 5 years
• Loan amount of up to S$30,000
• Protection from unforeseen events with comprehensive life and total permanent disability insurance plan.

How to Apply

Request a consultation

Contact me

Download an application form and send it to us with the required documents to:

DBS Bank Ltd.
Bedok Central Post Office
Locked Bag Service No. 1
Singapore 914686

Call us at 6333 0033 (Mon to Fri 9am to 5pm / Sat 9am to 12.30pm)

SMS "Reno<space>Name" to 76060

Frequently Asked Questions

Am I eligible for a DBS Renovation Loan?

To be eligible, you must be:

• A Singapore Citizen or Permanent Resident between 21 and 65 years of age as of date of application
• An owner of the property to be renovated
• Earn more than S$24,000 per annum

You may apply with your spouse, child, parent or sibling for a loan amount not exceeding S$30,000 in a single application. The joint applicant needs to earn at least S$12,000 per annum . You only need to submit the same documents required for the main applicant.

Applications by non-owner(s) who are either a spouse, child, parent or sibling of the property owner may be reviewed with consent from the property owner.


What can I use the Renovation Loan for?

You can use it for carrying out numerous works on your residential property, including:

• Electrical and wiring works
• Built-in cabinets
• Painting and redecorating works (e.g. wallpaper)
• Structural alterations
• External works within compound of the house
• Flooring and tiling
• Basic bathroom fittings

However, the Renovation Loan cannot be used to pay for furnishings or for any other purpose besides renovation. For ready cash to help with your home furnishings, find out more about Cashline.


What are the documents required for the Renovation Loan application?

• Completed and signed Renovation Loan Application form
• Photocopy of all the applicants NRIC (front and back)
• Income documents

For salaried employees

• Latest computerised pay slip or
• Latest 12 months CPF contribution history statement or
• Last 2 years Notice of Assessment

 For self-employed/commissioned earners/variable income earner

• Last 2 years Notice of Assessment

• Original invoice or quotation from the contractor duly signed by contractor and applicant
• Proof of ownership of property to be renovated by way of any one of the following documents:

HDB Flats                      Private Properties
i. HDB Sale & Purchase Agreement  i. Sale & Purchase Agreement
ii. HDB Sales Order                ii. Property Tax Bill
iii. Property Tax Bill
iv. HDB Financial Plan
v. HDB Renovation Permit
vi. HDB Collection Advice



Welcome OWNER to CALL US for home renovation related to
Aluminium Wardrobe (built in wardrobe / sliding door wardrobe), Aluminium Kitchen Cabinet, Renovation, Wiring, Plaster Ceiling, and Painting

@    Alex Mah +65 8428 4379 (Singapore area) 
 OR  Kelvin Mah 012 - 7644 123 (Johor area).

Home renovation

Home is the shelter to our beloved family. Home is the place that we spend the most of our time in our life. 1 year 365 days, 1 month 30 days, 1 week 7 days and every night, we stay in our own house for protection, comfort ability and warmness. Home is also the place that our children grow up, the playground for our children, and the place for our wife to manage our family.

House is the first consideration to own after marriage and having own family. In Singapore, buying a HDB flat for the first time entitle for government grant. After government grant subsidy, the HDB flat cost around 100k plus to 300k plus depending on HDB location and its size like 3 bedroom HDB flat, 4 bedroom HDB flat and 5 bedroom HDB flat. After the HDB BTO launch until certification of completion with house key normally takes around 3-4 years.

When the Singapore HDB flat house key collected, the house is empty, nothing but just like a covered rectangle space with bathroom and wall partition. House renovation is the first thing the house owner needs to consider. Without proper home renovation, it is not suitable to stay yet. Talking about house renovation, renovation costs come across the mind. So, what is the Singapore renovation costs for a HDB flat home renovation, at least for the basic type like wiring and lighting, kitchen renovation like kitchen table top and kitchen cabinet, wardrobe cabinet, and grill door if house owner wanted protection for family and assets in the house against the theft which might occur.

For the wiring and lighting, it is depend on house owner will on whether needed to add more power point, running wire to add more lighting lamp which is not equipped with wire, how far for the new power point or new lighting location, lighting lamp installation, and the type of lighting lamp house owner like to install. Cost of type of lighting lamp purchase can vary few 10 dollars to over thousand dollars.

Simple house designs and lighting lamp ideas

For the kitchen renovation like kitchen table top, traditionally it uses mosaic to build it. For modern design of kitchen renovation, more house owner choose solid surface material for kitchen table top. Solid surface kitchen table top looks provide the feel of contemporary, simple and elegant yet durable and solid. Mosaic tend to crack if the kitchen user especially housewife who are like to hit the frozen cooking material taken out from freezer to separate the cooking material when it were stick together. For kitchen cabinet, aluminium kitchen cabinet is gaining popularity among house owner. The benefits of aluminium kitchen cabinet is the material of aluminium and sliding glass door which are water resistant and looks contemporary.

Kitchen Renovation and Aluminium Wardrobe

Wardrobe cabinet is another main furniture stuff in house renovation list. Wardrobe is used at least twice a day. In one day, at least we open our wardrobe 2 times for cloth selection for work, for home use after back from house, and change sleeping cloth at night. Hence, it is important for wardrobe durability for its duty. Besides that, wardrobe cabinet might be also the place for house owner to keep important documents and some jewelry. A solid and durable wardrobe is a must and very important. Due to wardrobe is installed in bedroom and house owner live with it, see it and use it every day, the design and its looks should be considered too. Simple, elegant and durable should be top choice of selection. Remember that you pay it for only one time, but you are using it for the rest of the time. Aluminium wardrobe or aluminium sliding glass door wardrobe provides the functionality of adjustable storage space, durability and capability of mantle and dismantle. It means that house owner can dismantle the aluminium wardrobe or aluminium glass door wardrobe and move it to new house and reinstall it. Aluminium sliding glass door wardrobe is environment friendly and recyclability product.

Lastly, house renovation cost for a Singapore HDB flat is grill door. Grill door is installed for theft protection against assets loss and family safety. It is common that every Singapore HDB are installed with grill door. Grill door prices vary from its materials like steel, aluminium to iron, grill door’s design and décor, and the grill door size. The material causes the major different of grill door price.

Once every house renovation concern are in place and accounted, house owner need to start to search for reliable renovation contractor. Due to recent years’ property market boom, interior design companies are mushrooming. It is easy to locate a Singapore interior design company. Renovation contractor can come from interior design companies if you need house designs advice or direct to renovation contractor if you are not request for house interior design from the designer and having your own home decor ideas. It is important that the renovation contractor have proven record of home renovation before decide either to use them or not. Prices are important thing to consider but the renovation contractor credibility is even more important as it can cost you more problems and wasting of money and time if problem arise. House owner should know that nothing good thing come with cheap. 

HDB offers 12,411 flats in largest sales exercise

SINGAPORE - HDB has launched 12,411 flats for sale in its largest sale exercise.

Up for grabs are 7,061 Build-To-Order (BTO) flats and 5,350 balance flats, HDB said in a statement on Tuesday (Nov 17).

The BTO flats include 2,139 units in Bidadari. The rest of the BTO flats are in Choa Chu Kang, Sengkang, Bukit Batok, Hougang and Punggol.

HDB said that this sales launch will allow more people to benefit from new policies announced in August - including the 2-room Flexi Scheme, increase in income ceilings and enhancements to the Special CPF Housing Grant (SHG), which will be implemented from this sales launch.

A total of 2,093 2-room Flexi flats will be put up for sale as part of the BTO exercise. These flats will be in Bidadari, Bukit Batok, Choa Chu Kang, Punggol and Sengkang.

The 5,350 balance flats comprise 1,218 2-room Flexi flats, 1,064 3-room units, 2,062 4-room units, 959 5-room units, 36 3Gen units and 11 executive flats. The majority of these are reserved for first-timer families, HDB said.

With this launch, the HDB said it has met its commitment to launch 15,000 BTO flats this year. The total BTO supply for the year is 15,100 units. It said that it has offered for sale a total of 25,837 flats in the year 2015.

Applications for the flat can be submitted up to Nov 26.

HDB has advised the public to get details about the flats online.

Applicants are also urged to apply for BTO flats in non-mature estates to get a better chance.

The next BTO launch will be in February next year, HDB said.

Source: http://business.asiaone.com

Aluminium Cabinet project @ Naung Residence

Naung Residence, 1 Jalan Naung Aluminium Pole System

for:

~20 units x Aluminium Pole System in the Home Shelter

Aluminium Pole System at Naung Residence

Aluminium Pole System at Naung Residence

Aluminium Pole System at Naung Residence

Aluminium Pole System at Naung Residence

Aluminium Pole System at Naung Residence

Welcome OWNER to CALL US for more information related to
Aluminium Wardrobe (built in wardrobe / sliding door wardrobe), Aluminium Kitchen Cabinet, Renovation, Wiring, Plaster Ceiling, and Painting

@    Alex Mah +65 8428 4379 (Singapore area) 
 OR  Kelvin Mah 012 - 7644 123 (Johor area).

Aluminium built in wardrobe project @ Fernvale Link

Block 470-B, Fernvale Link #09-430 wardrobe design for:

~Master Bedroom 2 door Aluminium Wardrobe
~Common Bedroom 2 door Aluminium Wardrobe

Master Bedroom Aluminium Built in Wardrobe Before Complete

Master Bedroom Aluminium Built in Wardrobe Half Complete

Master Bedroom Aluminium Built in Wardrobe After Complete

Master Bedroom Aluminium Built in Wardrobe After Complete

Master Bedroom Aluminium Built in Wardrobe After Complete

Common Bedroom Aluminium Built in Wardrobe Before Complete

Common Bedroom Aluminium Built in Wardrobe Half Complete

Common Bedroom Aluminium Built in Wardrobe After Complete

Common Bedroom Aluminium Built in Wardrobe After Complete

Welcome OWNER to CALL US for more information related to 
Aluminium Wardrobe (built in wardrobe / sliding door wardrobe), Aluminium Kitchen Cabinet, Renovation, Wiring, Plaster Ceiling, and Painting

@    Alex Mah +65 8428 4379 (Singapore area) 
 OR  Kelvin Mah 012 - 7644 123 (Johor area).

7 Reasons to Choose Sliding Door Wardrobe As Your Bedroom Wardrobe Design

Built in wardrobe can make the best space saving wardrobe design option when it comes to storing all kinds of things in all kinds of rooms, whether it is your clothes and shoes in your bedroom, your kids’ toys and games in a playroom or nursery, or all of your entertainment hardware in the living room. They are easy to customise on the inside with different rails, shelves, drawers and racks, making it easy to store just about anything you’ve got in a way that is easy to conceal, keeping your home looking tidy and clutter free.

Aluminium Wardrobe

There are many different types of built in wardrobe design you can choose for when decorating a bedroom, however the best way to get a good clothing storage solution and make your room look really good is to choose sliding door wardrobe. Here we look at what makes sliding door wardrobe so much better than the traditional wooden wardrobe for most people:

Aluminium Wardrobe

1. Sliding Door Wardrobe Give You More Space for Clothes

Sliding door wardrobe design gives you more space for your clothes because they use the full height of the room and make the most of the wall space. Rather than being limited to the dimensions of a standing wardrobe, you have all of the wall space to utilise.

2. Sliding Door Wardrobe Look Neater

Sliding door wardrobe design don’t need a space all of their own, because they blend in to the walls in the bedroom, they don’t look like they take up as much space as they do. They simply form part of the room. This gives a much smarter, tidier appearance than standing wardrobe.

3. Sliding Door Wardrobe Can Be Customised

You can customise both the interior and exterior of the sliding door wardrobe, making it work better for you. Whether you are using the wardrobe just for yourself or you have to share it with a partner, you can organise the hanging and rack space inside to suit the kind of things you have. If you have a lot of coats, suits or dresses you will want more hang space, whereas if you have a lot of t-shirts you may prefer more drawers or shelves.

4. Sliding Door Wardrobe Can Be Installed For You

Sliding door wardrobe is easy to install. It is formed by aluminium pole system, glass door and its accessories to support it. The only difficult part is the partition. However, it is easy to get outside renovation contractor to build the partition for the sliding door wardrobe. The rest of the setting is easy to install and setup. They are all reusable and durable, easy to dismantle and reinstall.

5. Sliding Door Wardrobe Don’t Get In

Wardrobe design with doors that open out can be awkward, especially in a small room. With sliding door wardrobe you don’t have to worry about moving your bed or other furniture into a certain position so you can fully open the doors, so they are much easier to decorate around and live with. It is much easier to live with a sliding door arrangement when you want to get to the stuff inside.

6. Make the Most of Your Space

There is no need to surrender a lot of floor space to a built in wardrobe. A sliding door wardrobe design makes good use of any wall in the room. Built directly into the wall and hidden by large, sliding glass door, these storage systems provide you with an incredible amount of storage in a very small space. Requiring only a small amount of floor space along one wall, you can easily store all of your clothing and accessories behind the sliding doors. Because all of the panels slide smoothly, you will be able to reach every corner of the wardrobe.

7. Contemporary Design And Look

You can personalise the wardrobe design for the sliding door wardrobe to match the rest of the area. The glass doors are smooth and glide easily on concealed tracks, and you can customise their finished look. The choice is yours, and you are sure to love how it changes the feel of your room.

Aluminium Wardrobe

If you need more storage in your home, consider the addition of a sliding door wardrobe design. Ideal for bedrooms, they can also bring organisation and storage space to your home office and other living areas. Customise the glass doors to blend seamlessly with the other walls, or share some of your personality by choosing glass doors that will make a different. You will adore the extra storage space, you will appreciate how much floor space is left and you will love how the sliding doors look.

Aluminium Wardrobe

Many companies who provide built in wardrobe will be able to do a door replacement of this kind on existing built in wardrobe to allow you to keep a configuration you are happy with but revamp the look and style of your sliding door wardrobe, as well as, if you take this option, giving you the space saving benefits of sliding door wardrobe. In the future if you move to new house, they do provide services to dismantle and move the sliding door wardrobe to new house and install it. Hence, you are save a lot of money for the built in wardrobe materials.

Aluminium Wardrobe

Welcome OWNER to CALL US for more information related to 
Renovation, Wiring, Plaster Ceiling, Painting, Aluminium Wardrobe and Aluminium Kitchen Cabinet 

@    Alex Mah +65 8428 4379 (Singapore area) 
 OR  Kelvin Mah 012 - 7644 123 (Johor area).

Aluminium built in wardrobe project @ Rich East Garden, Upper East Coast Road

#01-04, Rich East Garden, 302 Upper East Coast Road wardrobe design for:

~Master Bedroom 4 door Aluminium Wardrobe
~Common Bedroom 2 door Aluminium wardrobe
~Common Bedroom 4 door Refurbish Aluminium Wardrobe
~Common space 4 door Aluminium cabinet

Common Bedroom 2 door Aluminium Wardrobe Before Complete

Common Bedroom 2 door Aluminium Wardrobe After Complete

Common Bedroom 2 door Aluminium Wardrobe After Complete

Master Bedroom 4 door Aluminium Wardrobe Before Complete

Master Bedroom 4 door Aluminium Wardrobe After Complete

Common Space 4 door Aluminium Cabinet After Complete

Common Bedroom Refurbish 4 door Aluminium Wardrobe Before Complete

Common Bedroom Refurbish 4 door Aluminium Wardrobe Before Complete

Common Bedroom Refurbish 4 door Aluminium Wardrobe After Complete

Common Bedroom Refurbish 4 door Aluminium Wardrobe After Complete

Common Bedroom Refurbish 4 door Aluminium Wardrobe After Complete

Welcome OWNER to CALL US for more information related to 
Renovation, Wiring, Plaster Ceiling, Painting, Aluminium Wardrobe (built in wardrobe / sliding door wardrobe) and Aluminium Kitchen Cabinet 

@    Alex Mah +65 8428 4379 (Singapore area) 
 OR  Kelvin Mah 012 - 7644 123 (Johor area).

Benefits of aluminium built in wardrobe for wardrobe design

Aluminium wardrobe also known as aluminium built in wardrobe, aluminium sliding door wardrobe. Aluminium built in wardrobe main components in wardrobe design is aluminium profile including aluminium frame/aluminium pole, hanger bar, glass door / sliding door, and wooden cabinet.

The aluminium built in wardrobe in the wardrobe design is the essence of simplicity, functionality and versatility. Designed to look equally at home in a traditional or modern interior design, it is characterized by sleek lines and refined finishes.

Aluminium built in wardrobe has been specially engineered for the demands of daily family use. Featuring high quality rollers for smooth operation, strong aluminium frame/aluminium pole system to make countless size panels possible, and a specially designed tracking system for a multitude of door configuration options and powered coated sliding glass door make it a revolutionary new wardrobe design favorites by major family members.

Aluminium wardrobe / sliding door wardrobe encompass the sleek minimalist design, flexibility, durability and multitude configuration option to optimize every storage space. It provides unlimited design possibilities, precision technical innovation and durable, flexible, easy to assemble, compacted packaging, and more important, elegant and timeless.

Aluminium joinery concept allows you to mix a range of cabinets, shelves, drawers, rails and glass doors to create your perfect interior design for your homes and offices and innovative joinery system allows quick and easy assembly, installation, and cost effective shipping.

Aluminium built in wardrobe main component is aluminium profile. Aluminium is light, strong and highly recyclable. Therefore, with this advantageous feature, it is designed with a minimalist look that is strong, simple, and elegant.

Aluminium built in wardrobe / aluminium sliding door wardrobe provides high level of customization. Aluminium wardrobe can be customized to optimize the usage of space regardless of internal or external space. It also offers you the flexibility to add on or remove components as and when you like. This is a very futuristic thinking when compare with customized carpentry work.

Affordability

Aluminium pole system / aluminium frame can be significantly less expensive than other wardrobe design wardrobe frame options, providing a strong yet economical built-in wardrobe solution.

Design Flexibility

The inherent strength and flexibility for aluminium to be designed and manufactured to meet customized specifications means you are limited only by your imagination. With an endless array of systems, finishes and glass door options, aluminium wardrobe offers a vast range of possibilities from the economical to most elaborate systems while also delivering excellent thermal performance.

Finishes

A range of finishing options ensures aluminium built-in wardrobe can be perfectly matched to any home decor ideas. Powder coating provides an attractive finish to aluminium frames and once coated, does not require repainting. The color range gives you the freedom to create the look you want using a variety of natural colors.

Anodising treatment can provide excellent corrosion resistance and a wide range of color options for sliding door wardrobe. Such finishes are widely used for both interior and exterior applications. Anodised or powder-coated aluminium finishes provides unlimited contemporary design solutions.

Recyclability

Aluminium has one of the highest recycling rates of any metal and is an environmentally sustainable material. Recycling of aluminium requires only five percent of the initial energy consumed to create it. This inherent property differentiates from other framing materials reinforcing its sustainable credentials.


Welcome OWNER to CALL US for more information related to 
Renovation, Wiring, Plaster Ceiling, Painting, Aluminium Wardrobe and Aluminium Kitchen Cabinet 

@    Alex Mah +65 8428 4379 (Singapore area) 
 OR  Kelvin Mah 012 - 7644 123 (Johor area).

house renovation contractor and home decor ideas

Buying a house is an important and joyful thing in our life especially it is the first property in our life. House is where we start our own family life, the place for our beloved family members to stay in safe and comfortable condition. The moment of collecting the new house key is exciting.

Followed by the joy and excited during the house key collection, home owner needed to think about is house renovation. A new house without renovation is just an empty space covered and not suitable to move in for stay yet. Home owner need to do at least basic renovation like wiring, lighting, kitchen table top and wardrobe if painting, cabinet, grilled door and may be plaster ceiling is not essential or urgent.

Picking a good renovation contractor for house renovation is very important for home owner. A reliable renovation contractor provides you the confidence of their professionalism and responsibility. It avoid the future dispute like renovation delay, defect of renovation project, scamp work and stint material. A proven track record renovation contractor should be first priority if compared with renovation cost. Word of mouth contractor and contractor with major project finished with prove are good selection.

New house renovation can categorize to 3 categories: simple renovation, standard renovation and major renovation. Simple renovation is basically renovating the basic essential thing like kitchen table top, wiring and lighting, and wardrobe. Standard renovation includes painting, cabinet, grilled door and plaster ceiling. Major renovation is a complex renovation which including kitchen extension, hacking the wall and changing of wall structure and house extension for landed property. Due to renovation cost, some young home buyer may look for bank for renovation loan. Renovation loan is quite popular in Singapore.

Interior design for new house comes with different theme for house owner to choose. The standard for interior design Singapore is also different than interior design Malaysia. This is due to Singapore property mostly are HDB flat but Malaysia property is landed property. The renovation cost may largely differ from the property size and the currency exchange. Based on their favorite theme, home owner can choose from vintage interior design, contemporary interior design, industrial interior design, electric interior design, modern interior design, Scandinavian interior design, and classic interior design. After the home renovation done, they need to buy the related furniture to match the interior design theme. Renovation cost can vary from few ten thousand to over hundred thousand depend on homeowner renovation and home decoration selection.

Most of Singapore house owner do have engage interior design company for their house before home renovation and home decoration. It cause interior design Singapore flourish. Interior design Malaysia is not so hot because in Malaysia, many house owner don’t choose interior design company to design their house, mostly based on their experiences and personal preferences to make renovation and home decoration. Home design ideas and home decor ideas can also come from the interior design books. Sometimes, house owner may just get the home design ideas and home decor ideas from the country of places of visit like Bali, Hawaii, Europe.

Welcome OWNER to CALL US for more information related to 
Renovation, Wiring, Plaster Ceiling, Painting, Aluminium Wardrobe and Aluminium Kitchen Cabinet 

@    Alex Mah +65 8428 4379 (Singapore area) 
 OR  Kelvin Mah 012 - 7644 123 (Johor area).

Punggol Central HDB Flat BLK 296 #08-497 Aluminium Wardrobe Project

Punggol Central HDB Flat BLK 296 #08-497 Project For:

~Master Bedroom 4 Door Aluminium Wardrobe
~Common Bedroom 2 Door Aluminium Wardrobe

Master Bedroom 4 Door Aluminium Wardrobe Before Complete

Master Bedroom 4 Door Aluminium Wardrobe Before Complete

Master Bedroom 4 Door Aluminium Wardrobe After Complete

Master Bedroom 4 Door Aluminium Wardrobe After Complete

Common Bedroom 2 Door Aluminium Wardrobe Before Complete

Common Bedroom 2 Door Aluminium Wardrobe Before Complete

Common Bedroom 2 Door Aluminium Wardrobe After Complete

Common Bedroom 2 Door Aluminium Wardrobe After Complete

Welcome OWNER to CALL US for more information related to 
Renovation, Wiring, Plaster Ceiling, Painting, Aluminium Wardrobe and Aluminium Kitchen Cabinet 

 @    Alex Mah +65 8428 4379 (Singapore area) 
 OR  Kelvin Mah 012 - 7644 123 (Johor area).