Singapore Home Renovation Guide 2026: HDB & Condo Costs | RCS

Planning a home renovation in Singapore can feel overwhelming. Whether you're transforming a new BTO flat or breathing new life into a resale HDB or condo, understanding the renovation process, avoiding common pitfalls, and working with the right professionals makes all the difference between a dream home and a renovation nightmare.

This comprehensive guide by Renovation Contractor Singapore (RCS) reveals everything you need to know about renovating your home in Singapore—from actual package pricing and government regulations to expert tips that will save you thousands of dollars and months of frustration.

Understanding Singapore's Renovation Landscape: HDB vs Condo

Before diving into renovation planning, it's crucial to understand that HDB flats and condominiums have distinctly different renovation requirements, approval processes, and regulations governed by different authorities.

HDB Renovation Requirements

Mandatory HDB-Licensed Contractor

All HDB renovation works requiring hacking, demolition, or structural modifications must be performed by contractors registered in HDB's Directory of Renovation Contractors (DRC). This is a legal requirement under the Housing & Development (Renovation Control) Rules 2006, not a suggestion. Non-compliance can result in prosecution, fines up to $5,000, and orders to reinstate your flat to its original condition.

HDB Renovation Permit

You must obtain an HDB renovation permit before starting any works involving hacking, removal of fixtures, or installation of built-in furniture. According to MyNiceHome's official renovation guide, the application process requires detailed documentation including acknowledgment forms signed by all registered owners, renovation plans, and official HDB floor plans.

For new BTO flats, you have 3 months from the permit date to complete works. For resale flats, the deadline is 1 month, though extensions can be requested. These timelines are strictly enforced by HDB's renovation regulations.

Renovation Timing Restrictions

HDB enforces strict noise control regulations to maintain harmony among residents:

• Permitted Hours: Monday to Saturday, 9:00 AM to 6:00 PM

• Prohibited: Sundays and Public Holidays (no noisy renovation works allowed)

• Violations: Fines and potential legal action for repeated offenses

Learn more about HDB renovation guidelines and restrictions.

Condo Renovation Requirements

MCST Approval Required

Unlike HDB flats where you apply directly to HDB, condo renovations require approval from your Management Corporation Strata Title (MCST). Each condominium has its own set of rules and guidelines that must be strictly followed.

BCA Permits for Structural Work

Any renovation involving structural changes—such as wall removal, major electrical system modifications, or plumbing alterations—requires Building and Construction Authority (BCA) approval. This applies to both HDB and condo renovations to ensure compliance with Singapore's building safety standards.

Condo-Specific Restrictions

Condominiums often impose additional restrictions beyond government requirements. Understanding these upfront prevents costly delays and conflicts.

RCS Renovation Packages 2025: Transparent Pricing for Every Budget

At Renovation Contractor Singapore, we believe in complete pricing transparency. No hidden costs, no surprise charges—just honest pricing that helps you plan your renovation budget with confidence. View our complete HDB renovation packages.

HDB BTO Renovation Packages

Move-In Essential Package: From $7,690

Perfect for homeowners who need basic functionality to start living in their new BTO flat immediately.

Includes:

• Basic kitchen cabinets (6-8 feet)

• Essential electrical points

• Basic lighting installation

• Move-in coordination

• HDB permit handling

• Timeline: 2-3 weeks

Bare Unit Starter Package: From $18,490

Comprehensive flooring and basic finishes to transform your empty BTO into a livable home.

3-Room BTO Complete Package: From $30,000

Full transformation package covering all essential areas for comfortable living. View detailed 3-room HDB renovation costs and designs.

Includes:

• Kitchen: Full cabinets with quartz countertop, backsplash, sink and tap

• Bathrooms: Complete renovation with modern fixtures, waterproofing, tiling

• Living areas: Vinyl flooring, painting, false ceiling

• Bedrooms: Built-in wardrobes, flooring, painting

• Electrical: Complete wiring with adequate power points

• Air-conditioning: Installation provisions

• HDB permits and compliance

• Timeline: 6-8 weeks

4-Room BTO Premium Package: From $42,600

Enhanced specifications with upgraded materials and additional features for 4-room flats.

5-Room BTO Executive Package: From $52,100

Luxury finishes and comprehensive features for larger family homes. Explore 5-room BTO renovation packages.

HDB Resale Renovation Packages

Resale renovations typically cost 30-40% more than BTO due to additional preparatory work including hacking, disposal, rewiring, and waterproofing. Read our comprehensive HDB resale renovation guide.

Kitchen Cabinet Package (Standard): $4,990

Quality kitchen transformation without the need for full renovation.

Toilet Package (Standard Overlay): $8,990

Complete bathroom makeover using the overlay method (no hacking required).

Kitchen + 2 Toilets Combo Package: $24,490

Smart bundle pricing for the most frequently renovated high-usage areas.

Whole House Package (Vinyl Flooring): $30,490

Affordable comprehensive solution perfect for moderate updates.

Whole House Package (With Hacking): $37,490

Complete makeover including essential demolition and reconstruction work.

Ultimate Resale Transformation (5-Room): From $41,590

Premium comprehensive renovation for complete home transformation.

Includes:

• Complete demolition and disposal

• Full kitchen makeover with premium finishes

• All bathroom renovations

• Premium flooring options

• Extensive carpentry throughout

• Complete electrical system upgrade

• Advanced lighting design

• Smart home integration

• Timeline: 10-12 weeks

Condo Renovation Packages

Luxury Refresh Package: $35,000 - $65,000

Premium finishes and sophisticated styling for modern condominiums.

Complete Transformation Package: $65,000 - $120,000

Full condo renovation with designer finishes and luxury materials.

Individual Room Packages

Kitchen Renovation: $5,490 - $16,990

From basic functionality to gourmet cooking spaces.

Bathroom Renovation: $6,990 - $15,990

Complete toilet transformation from functional to luxurious.

For detailed pricing breakdowns, visit our comprehensive HDB renovation price list.

What You Can and Cannot Do: Singapore Renovation Regulations

Understanding legal boundaries prevents costly mistakes, fines, and potential prosecution. According to HDB's official renovation guidelines, here's what you absolutely need to know.

Strictly Prohibited Renovation Works (HDB)

These renovations are completely forbidden and will result in serious penalties:

Structural Modifications

• Removing or hacking any structural walls or columns

• Modifying beams or load-bearing elements

• Altering external walls or facades

• Removing or relocating main entrance doors

• Modifying bomb shelter structures

Unauthorized External Changes

• Installing window grilles without approval

• Modifying external windows or frames

• Adding external fixtures visible from outside

• Painting external surfaces

• Installing unauthorized awnings or canopies

Safety Hazards

• Converting bomb shelters for other uses

• Blocking fire escape routes

• Removing fire-rated doors

• Modifying fire safety equipment

• Creating fire hazards through unauthorized electrical work

Utility Modifications

• Relocating water meters or gas meters

• Unauthorized plumbing modifications to main stacks

• DIY electrical work without licensed electrician

• Modifying main electrical panel locations

Renovation Works Requiring HDB Permit

You must obtain approval before proceeding with:

Major Works

• Hacking of floor tiles, wall tiles, or toilet floors

• Installation or replacement of kitchen/bathroom fittings

• Installation of built-in furniture or partition walls

• Window replacement or modifications

• Water pipe or sanitary pipe installation

• Air-conditioning installation with outdoor compressor

• Gate installation at main door

Important: Start these works only after receiving official HDB approval via their online renovation permit system. Working without permits can result in:

• Stop-work orders

• Fines up to $5,000

• Prosecution

• Requirement to reinstate to original condition at your expense

Read our detailed guide on how to apply for HDB renovation permit.

Condo Renovation Restrictions

While condos generally allow more flexibility than HDB flats, MCST guidelines typically prohibit:

Common Restrictions

• Structural wall removal without Professional Engineer (PE) certification

• External facade modifications

• Common property alterations

• Unauthorized balcony enclosures

• Excessive noise during restricted hours

• Improper waste disposal

MCST-Specific Rules

Each condominium has unique guidelines. According to BCA's renovation guidelines for private properties, approval processes vary by development.

Expert Tips: What to Do for Successful Renovation

Having completed thousands of renovation projects since 2017, RCS has identified proven strategies that lead to successful outcomes. Learn from our expertise documented in our HDB renovation guide.

Planning Phase Excellence

1. Start Planning Early

Begin planning at least 3-4 months before your expected renovation start date. This allows adequate time for:

• Design conceptualization and refinement

• Material selection and sourcing

• Contractor selection and vetting

• Permit applications and approvals

• Budget finalization

2. Set a Realistic Budget

Include these essential components:

• Main renovation works (60-70% of budget)

• Furniture and appliances (15-20%)

• Soft furnishings and decor (10-15%)

• Contingency fund (10-15% for unexpected costs)

Never allocate 100% of available funds to renovation works. Unexpected issues—especially in resale flats—regularly arise and require additional investment. Check our detailed renovation cost breakdown.

3. Engage HDB-Licensed/BCA-Registered Contractors

For HDB renovations, this is mandatory under HDB's contractor requirements. For condos, it provides essential protections:

• Proper insurance coverage

• Accountability and recourse

• Knowledge of regulations

• Quality assurance standards

• Warranty coverage

RCS is fully HDB-licensed and BCA-registered, meeting all government requirements.

4. Get Everything in Writing

Insist on detailed written quotations specifying:

• Exact scope of works

• Material brands and specifications

• Timeline with milestones

• Payment schedule

• Warranty terms

• Exclusions and additional costs

Never accept vague quotations or verbal agreements. Documentation protects both parties.

Design Strategy Success

1. Prioritize Functionality Over Trends

Design choices should enhance daily living, not just look good in photos. Consider:

• Traffic flow and space utilization

• Storage needs (Singaporeans need lots of storage!)

• Family lifestyle and habits

• Future needs (growing family, aging parents)

• Maintenance requirements

2. Maximize Natural Light

Singapore's tropical climate provides abundant natural light. Enhance it through:

• Light color schemes (whites, soft grays, beiges)

• Reflective surfaces and strategic mirrors

• Minimal window treatments

• Open-concept layouts where possible

• Glass partitions instead of solid walls

3. Invest in High-Traffic Areas

Allocate more budget to spaces used most frequently:

• Kitchen: 80-90% ROI on quality renovations

• Bathrooms: High daily usage demands durability

• Living areas: Where family and guests gather

• Master bedroom: Your personal sanctuary

4. Storage Solutions Are Never Excessive

In compact Singapore homes, every square inch counts. Maximize storage through:

• Floor-to-ceiling wardrobes

• Platform beds with hidden storage

• Multi-functional furniture

• Kitchen cabinets with pull-out systems

• Vertical space utilization

Material Selection Wisdom

1. Balance Cost with Longevity

Cheap materials often cost more long-term through:

• Frequent replacement needs

• Poor durability and performance

• Difficult maintenance

• Safety issues with substandard materials

Invest appropriately in:

• Kitchen cabinets: You'll use them multiple times daily for years

• Bathroom fixtures: Water damage from failures is expensive

• Flooring: Replacement is extremely disruptive and costly

• Electrical wiring: Safety cannot be compromised

2. Choose Tropical-Appropriate Materials

Singapore's heat and humidity demand specific material choices:

• Moisture-resistant materials in bathrooms

• UV-resistant finishes for sun-exposed areas

• Mold-resistant paints and treatments

• Termite-resistant timber or alternatives

• Heat-resistant kitchen surfaces

3. Consider Maintenance Requirements

Beautiful materials that demand constant maintenance become burdens:

• High maintenance: Natural stone (needs sealing), solid timber (refinishing), glass (fingerprints)

• Low maintenance: Quartz countertops, vinyl flooring, laminate cabinets

• Moderate maintenance: Engineered timber, ceramic tiles, painted surfaces

Project Management Best Practices

1. Maintain Regular Site Visits

Visit your renovation site at least weekly, preferably more frequently. Check:

• Work quality and alignment with plans

• Material quality matches specifications

• Timeline adherence

• Safety practices

• Cleanliness and organization

2. Document Everything

Take photographs at every stage:

• Before work begins

• During demolition (reveals hidden issues)

• After rough-in electrical/plumbing (before covering)

• During installation phases

• Completed works (for comparison if issues arise)

Photos provide crucial evidence if disputes arise and help you remember where utilities are located for future modifications.

3. Maintain Open Communication

Establish clear communication channels with your contractor:

• Designated project manager contact

• Preferred communication method (WhatsApp, phone, email)

• Regular update schedule

• Decision-making process

• Issue escalation procedures

4. Make Timely Decisions

Renovation delays often stem from client indecision. Avoid:

• Last-minute material changes

• Scope creep ("while we're at it..." additions)

• Constant design revisions

• Delayed selections

Prepare by making key decisions before work begins. Changes during renovation are expensive and delay completion.

Financial Protection Strategies

1. Never Pay Full Amount Upfront

Standard payment structures protect both parties:

• 10% deposit upon confirmation

• 30-40% upon material delivery

• 30-40% at mid-point completion

• 20-30% upon completion and handover

Never agree to unusual payment terms or large upfront payments. Legitimate contractors don't require full payment before work begins.

2. Retain Final Payment Until Defects Resolved

Hold 10-15% of total cost until:

• All works completed to specification

• Defect inspection conducted

• All identified issues rectified

• Final cleanup completed

• All warranties and documentation received

This retention provides leverage to ensure complete, quality work.

3. Understand Warranty Coverage

RCS provides comprehensive 12-month warranty covering:

• Workmanship defects

• Material defects

• Installation issues

• Structural problems arising from our work

Understand what's covered and exclusions (typically normal wear, abuse, or modifications by others).

Critical Mistakes to Avoid: Learn From Others' Expensive Errors

Planning and Preparation Failures

1. Skipping Professional Consultation

The Mistake: Attempting DIY design or hiring unlicensed contractors to save money.

The Consequence:

• Structural damage requiring expensive repairs

• Non-compliant work requiring complete re-doing

• Voided property insurance

• Legal issues and prosecution under HDB regulations

• No recourse when problems arise

The Solution: Engage HDB-licensed contractors like RCS who understand regulations, ensure compliance, and provide accountability.

2. Inadequate Budget Planning

The Mistake: Allocating entire savings to renovation without contingency funds.

The Consequence:

• Project halts when unexpected issues arise

• Compromised quality as budget runs out

• Incomplete renovations

• Financial stress and debt

The Solution: Budget conservatively with 15-20% contingency fund. For resale flats especially, hidden issues regularly emerge during demolition. Review our BTO renovation cost guide for proper budgeting.

3. Unrealistic Timelines

The Mistake: Expecting complete renovation in 2-3 weeks or planning move-in immediately after permit approval.

The Consequence:

• Rushed, poor quality work

• Safety compromises

• Temporary accommodation costs

• Stress and disappointment

The Solution: Understand realistic timelines:

• BTO 3-room: 6-8 weeks minimum

• Resale 4-room: 8-10 weeks minimum

• Resale 5-room: 10-12 weeks minimum

• Add buffer time for unexpected delays

Design and Specification Errors

4. Following Trends Over Function

The Mistake: Designing for Instagram photos rather than daily living needs.

The Consequence:

• Impractical spaces that look good but function poorly

• Wasted money on features rarely used

• Dated appearance as trends change

• Difficult resale if design too unique

The Solution: Prioritize timeless design, functionality, and your actual lifestyle. Trendy elements should be inexpensive and easily changeable (paint colors, accessories, soft furnishings).

5. Insufficient Storage Planning

The Mistake: Sacrificing storage for aesthetics or underestimating storage needs.

The Consequence:

• Cluttered, disorganized living spaces

• Need for external storage rentals

• Reduced quality of life

• Expensive retrofitting later

The Solution: Singapore families need extensive storage. Plan for:

• Built-in wardrobes in all bedrooms

• Utility room storage systems

• Kitchen cabinets maximizing vertical space

• Living area storage solutions

• Shoe cabinets (we all have many shoes!)

6. Ignoring Lighting Design

The Mistake: Treating lighting as an afterthought or relying solely on general overhead lighting.

The Consequence:

• Poorly lit spaces creating gloomy atmosphere

• Inadequate task lighting in work areas

• Inability to create ambiance

• Eye strain and discomfort

The Solution: Plan comprehensive lighting with:

• Ambient lighting: General overhead illumination

• Task lighting: Focused light for specific activities (cooking, reading, grooming)

• Accent lighting: Highlighting features and creating atmosphere

• Natural light: Maximizing daylight access

Material Selection Mistakes

7. Choosing Based on Price Alone

The Mistake: Selecting cheapest options without considering quality, durability, or appropriateness.

The Consequence:

• Premature failure requiring replacement

• Poor performance and dissatisfaction

• Overall higher costs through repeated replacement

• Safety issues with substandard materials

The Solution: Balance cost with quality. Focus investment on:

• Items used frequently (kitchen, bathroom)

• Hard-to-replace elements (flooring, built-ins)

• Safety-critical components (electrical, waterproofing)

• Visible, high-impact areas

8. Mismatched Material Selections

The Mistake: Selecting materials individually without considering overall coherence.

The Consequence:

• Disjointed, chaotic appearance

• Clashing colors and textures

• Reduced perceived value

• Difficult to furnish and decorate

The Solution: Develop cohesive material palette. Consider:

• Color coordination across spaces

• Texture balance

• Style consistency

• Flow between rooms

Contractor Relationship Failures

9. Poor Communication and Documentation

The Mistake: Accepting verbal agreements or vague specifications.

The Consequence:

• Mismatched expectations

• Disputes over scope and costs

• No recourse when disagreements arise

• Additional unexpected charges

The Solution: Insist on detailed written contracts specifying every aspect. Review carefully before signing. If anything is unclear, request clarification.

10. Excessive Design Changes

The Mistake: Constantly changing mind about materials, layouts, or specifications during renovation.

The Consequence:

• Significant cost increases (changes during renovation very expensive)

• Timeline delays

• Frustrated contractors leading to quality issues

• Wasted materials

The Solution: Finalize all major decisions before work begins. Changes should be rare and only for legitimate reasons (discovered issues, material unavailability). Accept that minor imperfections in planning are less costly than repeated changes.

Permit and Compliance Failures

11. Starting Work Without Proper Permits

The Mistake: Beginning renovation before receiving official approvals to "save time."

The Consequence:

• Stop-work orders halting all progress

• Fines up to $5,000 and potential prosecution

• Requirement to reinstate to original condition

• Relationship damage with neighbors who report violations

• Voided insurance coverage

The Solution: Never begin work without proper permits. The few days saved aren't worth the potential consequences. HDB and MCST approvals exist to protect everyone.

12. Unauthorized Structural Modifications

The Mistake: Removing walls or making structural changes without Professional Engineer approval as required by BCA regulations.

The Consequence:

• Building safety compromised

• Potential collapse or structural failure

• Legal liability if injuries occur

• Prosecution and substantial fines

• Mandatory restoration at great expense

• Reduced property value

The Solution: Any structural work requires PE certification and approval. No exceptions. Professional contractors like RCS understand what requires engineering review and manage this process.

The RCS Renovation Process: Structured Excellence

Our proven five-phase methodology ensures smooth, stress-free renovations with predictable outcomes.

Phase 1: PLAN

What Happens:

• Free initial consultation at your property

• Detailed needs assessment and lifestyle discussion

• Preliminary design concepts

• Comprehensive quotation with transparent pricing

• 3D visualizations showing your completed space

• Material and specification selections

• Timeline planning

Your Investment:

• 10% deposit to secure booking and lock in pricing

Why It Matters:

Thorough planning prevents costly changes later. We invest significant time upfront ensuring we understand your vision, needs, and budget. Our detailed quotations leave nothing ambiguous—you know exactly what you're getting and what it costs.

Phase 2: PREP

What Happens:

• Complete permit applications (HDB or MCST)

• Engineering certifications if required

• Material ordering and verification

• Subcontractor coordination and scheduling

• Site preparation and protection

• Neighbor notification as per HDB guidelines

Your Investment:

• 30% upon material delivery and work commencement

Why It Matters:

Proper preparation prevents delays and ensures smooth execution. We handle all bureaucratic requirements, coordinate complex logistics, and ensure everything is ready before demolition begins.

Phase 3: FINALIZE

What Happens:

• Final specification confirmations

• Material selections locked in

• Timeline finalized with key milestones

• Payment schedule confirmed

• Communication protocols established

• Last-minute questions addressed

Your Investment:

• Confirmation of remaining payment schedule

Why It Matters:

This final checkpoint ensures complete alignment before major work begins. Once we start, changes become expensive and delay completion. We ensure you're 100% comfortable proceeding.

Phase 4: BUILD

What Happens:

• Demolition and hacking (if required)

• Rough-in electrical and plumbing

• Structural modifications and installations

• Waterproofing and tiling

• Carpentry fabrication and installation

• Painting and finishing work

• Fixture and appliance installation

• Progressive quality inspections

Your Investment:

• 40% at mid-point milestone completion

• Regular site updates and photo documentation

Why It Matters:

This is where your vision becomes reality. Our experienced teams execute with precision, and your dedicated project manager coordinates every trade, maintains timeline, and keeps you informed daily.

Phase 5: COMPLETE

What Happens:

• Comprehensive quality inspection

• Defect identification and rectification

• Final cleaning and polishing

• Detailed handover with walkthrough

• Warranty documentation

• Maintenance guidance

• Post-completion support

Your Investment:

• 20% final payment upon satisfactory completion

• Optional: Extended warranty coverage

Why It Matters:

We don't consider a project complete until you're completely satisfied. Our thorough defect inspection and rectification process ensures we deliver the quality you paid for. Our 12-month warranty provides ongoing peace of mind.

Why Choose Renovation Contractor Singapore (RCS)

HDB-Licensed & BCA-Registered

We meet all government requirements for renovation work in both HDB flats and private properties as mandated by HDB and BCA. Our credentials ensure:

• Legal compliance in all work

• Proper insurance coverage protecting you

• Accountability and recourse

• Quality standards enforcement

Transparent, Honest Pricing

No hidden costs. No surprise charges. No "renovation inflation" where initial quotes mysteriously balloon. What we quote is what you pay, unless you request changes. View our complete transparent pricing structure.

Proven Track Record Since 2017

Thousands of satisfied homeowners across Singapore have trusted us to transform their properties. See our portfolio and customer reviews.

Comprehensive Warranties

Every RCS project includes:

• 12-month workmanship warranty

• Material warranties from suppliers

• Defect rectification commitment

• Ongoing support and guidance

Full-Service Convenience

From initial design through final handover, we manage everything:

• Interior design consultation

• Permit applications and management

• Material sourcing and procurement

• All trades coordination (carpentry, electrical, plumbing, tiling, painting)

• Project management and supervision

• Quality control and inspections

• Final cleaning and handover

Dedicated Project Management

Your assigned project manager provides:

• Single point of contact

• Daily progress updates

• Photo documentation

• Timeline management

• Issue resolution

• Decision coordination

Singapore Renovation Cost Guide 2025

Understanding typical costs helps you budget realistically and identify unrealistic quotes. For comprehensive cost breakdowns, visit our detailed renovation cost guide.

HDB Renovation Costs by Flat Type

|| Flat Type | Light Renovation | Moderate Renovation | Extensive Renovation |
|-----------|------------------|---------------------|---------------------|
| 3-Room BTO | $15,000-$25,000 | $25,000-$35,000 | $35,000-$45,000 |
| 4-Room BTO | $20,000-$35,000 | $35,000-$50,000 | $50,000-$70,000 |
| 5-Room BTO | $30,000-$45,000 | $45,000-$65,000 | $65,000-$85,000 |
| 3-Room Resale | $25,000-$35,000 | $35,000-$50,000 | $50,000-$70,000 |
| 4-Room Resale | $35,000-$50,000 | $50,000-$70,000 | $70,000-$95,000 |
| 5-Room Resale | $45,000-$65,000 | $65,000-$90,000 | $90,000-$120,000+ |

Cost Breakdown by Component

Understanding where your money goes:

|| Component | Budget Range | Mid-Range | Premium |
|-----------|--------------|-----------|---------|
| Kitchen Renovation | $5,000-$8,000 | $8,000-$15,000 | $15,000-$25,000+ |
| Bathroom Renovation | $6,000-$9,000 | $9,000-$15,000 | $15,000-$22,000+ |
| Flooring (Entire Flat) | $3,000-$5,000 | $5,000-$8,000 | $8,000-$15,000+ |
| Painting (Entire Flat) | $2,000-$3,500 | $3,500-$5,500 | $5,500-$8,000+ |
| Electrical Works | $2,000-$4,000 | $4,000-$7,000 | $7,000-$12,000+ |
| Carpentry/Built-ins | $8,000-$15,000 | $15,000-$25,000 | $25,000-$40,000+ |
| Air-Conditioning | $3,000-$5,000 | $5,000-$8,000 | $8,000-$12,000+ |

For more detailed pricing, see our HDB flat renovation cost breakdown.

Condo Renovation Costs

|| Condo Size | Light Refresh | Moderate Renovation | Luxury Transformation |
|------------|---------------|---------------------|----------------------|
| 2-Bedroom | $30,000-$50,000 | $50,000-$80,000 | $80,000-$120,000+ |
| 3-Bedroom | $45,000-$70,000 | $70,000-$110,000 | $110,000-$180,000+ |
| 4-Bedroom | $60,000-$95,000 | $95,000-$150,000 | $150,000-$250,000+ |

Condo renovations typically cost more due to higher quality expectations, premium materials and finishes, complex layouts and larger spaces, and enhanced specifications.

Financing Your Renovation: Smart Options

HDB Renovation Loan

Eligibility: HDB flat owners using HDB-licensed contractors

Loan Amount: Up to $30,000 or 6 times monthly income (whichever is lower)

Interest Rate: Approximately 4.5% per annum

Tenure: Up to 5 years

Advantages:

• Lower interest rates than personal loans

• Longer repayment periods

• Designed specifically for renovation

• Straightforward application

Limitations:

• Must use HDB-licensed contractors (RCS is fully licensed)

• Subject to Total Debt Servicing Ratio (TDSR)

• Limited to $30,000 maximum

Learn more about financing options from HDB.

Bank Personal Loans

Loan Amount: Up to 10 times monthly salary (varies by bank)

Interest Rate: 6-10% per annum

Tenure: 1-7 years

Advantages:

• Larger loan amounts available

• No restrictions on contractor choice

• Can cover furniture and appliances

• Faster approval

Limitations:

• Higher interest rates

• Shorter repayment periods typically

• May require income documentation

Credit Card Installment Plans

Suitable For: Smaller renovations or specific components

Advantages:

• Interest-free installment options (0% for 6-24 months often available)

• Instant approval

• Rewards points accumulation

Limitations:

• Typically capped at $20,000-$30,000

• Requires sufficient credit limit

• High interest if full amount not paid by end of installment period

Renovation Timeline Planning

Understanding realistic timelines prevents frustration and helps you plan temporary accommodation if needed. For detailed timelines, consult our HDB renovation timeline guide.

BTO Flat Renovation Timeline

|| Phase | Duration | What Happens |
|-------|----------|--------------|
| Planning & Design | 2-4 weeks | Consultation, design, quotation, material selection |
| Permit Application | 1-2 weeks | HDB permit processing |
| Pre-Work Preparation | 1 week | Material procurement, site setup |
| Installation Phase | 4-6 weeks | All trades work |
| Finishing & QC | 1 week | Final touches, inspection, defect rectification |
| Total | 8-12 weeks | From contract signing to move-in ready |

Resale Flat Renovation Timeline

| Phase | Duration| Phase | Duration | What Happens |
|-------|----------|--------------|
| Planning & Design | 2-4 weeks | Assessment, design, quotation |
| Permit Application | 1-2 weeks | HDB permit processing |
| Demolition | 3-5 days | Hacking, disposal |
| Rough-In Works | 2-3 weeks | Electrical, plumbing, waterproofing |
| Installation Phase | 4-6 weeks | Tiling, carpentry, finishing |
| Final Works | 1-2 weeks | Painting, fixtures, cleaning |
| Total | 10-14 weeks | Complete transformation timeline |

Factors Affecting Timeline

Delays Often Caused By:

• Client indecision on materials or specifications

• Scope changes mid-project

• Material supply issues

• Weather (affects painting, disposal)

• Unforeseen structural issues (common in old resale flats)

• Permit complications

Timeline Accelerators:

• All decisions made before work begins

• Materials pre-selected and confirmed

• Clear communication channels

• Prompt decision-making when issues arise

• Realistic expectations

Start Your Renovation Journey with RCS Today

Ready to transform your HDB flat or condo into your dream home? Renovation Contractor Singapore brings proven expertise, transparent pricing, and unwavering commitment to your complete satisfaction.

What Happens When You Contact Us

Step 1: Free Consultation

Contact us via WhatsApp, phone, or our website. We'll schedule a no-obligation consultation at your property where we:

• Tour your space and assess current conditions

• Discuss your vision, needs, and lifestyle

• Understand your budget parameters

• Provide preliminary advice and suggestions

Step 2: Detailed Quotation

Within 3-5 days, you'll receive:

• Itemized quotation with transparent pricing

• 3D visualizations of your proposed design

• Material specifications and options

• Detailed timeline with milestones

• Terms and warranty information

Step 3: Refinement

We work with you to refine the proposal:

• Adjust specifications to align with budget

• Explore alternative material options

• Fine-tune design elements

• Address all questions and concerns

Step 4: Contract Signing

Once you're completely satisfied:

• Clear contract outlining all terms

• Payment schedule confirmed

• Timeline finalized

• 10% deposit to secure booking

Step 5: Renovation Begins

Your dedicated project manager takes over:

• Permit applications submitted to HDB

• Materials ordered

• Renovation commences per HDB guidelines

• Regular updates throughout

• Quality delivery guaranteed

Contact Renovation Contractor Singapore Now

Don't let renovation stress overwhelm you. Let Singapore's trusted renovation experts handle every detail while you look forward to your beautiful new home.

📞 Contact Us Today:

• WhatsApp: +65 8784 8742

• Phone: Call for immediate consultation

• Website: www.renovationcontractorsingapore.com

• Email: rcs@renovationcontractorsingapore.com

Why Wait? Contact us now for:
✓ FREE consultation and site assessment
✓ Transparent, detailed quotation
✓ 3D visualization of your dream home
✓ Expert advice from licensed professionals
✓ No-obligation, no-pressure discussion

Your dream home is just one conversation away. Contact Renovation Contractor Singapore now and take the first step toward the home you've always wanted.

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Additional Resources

Official Government Guidelines:

• HDB Official Renovation Guide

• MyNiceHome Renovation Resources

• HDB Directory of Renovation Contractors

• BCA Building Control Guidelines

RCS Renovation Guides:

• Complete HDB Renovation Guide 2025

• HDB Renovation Packages & Pricing

• HDB Renovation Permit Application

• Top HDB Contractors Comparison

• Detailed Renovation Costs

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Renovation Contractor Singapore (RCS) is a fully licensed HDB renovation contractor and BCA-registered company serving homeowners across Singapore since 2017. All information in this guide reflects current regulations and industry standards as of 2025, verified against official HDB and BCA guidelines. For specific questions about your renovation project, contact our team for personalized guidance.