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How to plan my budget for my HDB renovation

How to plan my budget for my HDB renovation

• By SingRank Singapore — min read
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RCS Team — HDB Registered & BCA Approved Renovation Contractor Singapore
Written & Reviewed by Renovation Specialists · HDB Registered · BCA Approved · Since 2017
The RCS Team is a group of experienced renovation professionals, project managers, interior designers, and on-site supervisors who have worked on HDB, condominium, and landed property renovation projects across Singapore since 2017. Our articles are written from first-hand, on-site project experience — including hacking, wet works, carpentry, electrical rewiring, tiling, plumbing, and HDB permit submissions — and are cross-checked against publicly available HDB and BCA guidelines. RCS is an HDB Registered Renovation Contractor and BCA-approved contractor, and holds bizSAFE Level 3 certification and active PMI membership.
✓ HDB Registered ✓ BCA Approved ✓ bizSAFE Level 3 ✓ PMI Member ✓ Since 2017
Planning a renovation of your own? RCS is preparing a new project where homeowners can have their renovation questions reviewed by our team — you’ll soon be able to consult us at ai-deal.ai.
Editorial Standard: This article is authored by the RCS in-house renovation team based on first-hand project experience, cross-checked against publicly available HDB and BCA guidelines. Editorial & SEO Visibility by SingRank Singapore . Last reviewed: 30 June 2026.

Disclaimer: This article is published by the RCS Team for general informational purposes only and does not constitute professional advice.

There is no one size fits all approach to this. Planning your budget means knowing what you can afford. 

How much loan you are eligible for will depend mainly on your credit rating and salary that you are drawing. You need to break down the parts according to the unit that you have. The market rate on the things that you need to renovate. The furnishings that you need to buy. And last comes the things that you want, but can live without.

The above steps are not financial advice. These are merely suggestions by someone that has been in the industry since 2016, and have seen what it can do to new homeowners especially if they start wrong. Always plan your finances ahead.

Please do reach out to us when you plan to buy a unit, and plan to gauge the renovation costs before commiting. This is a paid service and a quote can also be provided should you need one.

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