Renovating your first home can feel both exciting and daunting. After all, you may have been planning and saving money for years to create your dream home one day. And when a full HDB renovation in Singapore can cost you upwards of S$32,000 or more, you want to be sure that you’re not getting the short end of the stick.
So, understanding all the HDB rules and regulations for renovation, as well as the costs involved, can prepare you for the better. Here’s a handy HDB renovation guide that can help you start off on the right foot.
Here is the ultimate guide to your next HDB renovation in Singapore:
Best Singapore HDB renovation contractor list in Singapore
Want to know the best HDB renovation contractors in Singapore?
When looking for the best Singapore HDB renovation contractor, there are several factors that you should consider:
- License and insurance: Make sure the contractor is licensed and insured, this will protect you in case of any accidents or damage during the renovation process.
- Experience and reputation: Look for a contractor with a proven track record of successful HDB renovations and positive customer reviews.
- Portfolio: Review the contractor’s portfolio to see examples of their work and ensure that they have experience with the type of renovation you are looking for.
- Communication and professionalism: A good contractor should be able to communicate effectively and professionally throughout the renovation process.
- Pricing and contract: Get quotes from multiple contractors and make sure to thoroughly review the contract before signing to ensure that all terms and conditions are clear and fair.
- Proximity: Choose a contractor who is located near your home, this will make it easier for them to come and assess the renovation work and also complete it on time.
- Design and planning: Look for a contractor who can help you with the design and planning of your renovation project, this will ensure that your renovation meets your needs and that you are happy with the final result.
By considering these factors, you can increase your chances of finding a reputable and reliable HDB renovation contractor in Singapore.
Note: Here are several list of best HDB renovation contractor in Singapore:
Interior Empire
Based in Singapore, we specialized in the Management of Interior Design & Home Renovation for residential and commercial properties.
From our completed projects, we have furnished clients with unique and innovative designs including services such as space planning and allocation, alongside 3D perspectives on ideal homes and offices.
At Interior Empire, it matters that we hold ourselves to the highest standards possible and shall maintain these expectations through good quality control and project management. We worked together with our trusted contractors to maintain the completion of your home renovation beautifully and on time.
Why you should renovate your HDB Singapore with Interior Empire?
- We offer you the real 3D perspective before starting our renovation project to avoid further regret
- We thrive to find the uniqueness of each client’s dream house to enhance the value of their home
- We have a professional and experienced team working for us
- We offer efficient processes until the end
- On-time service
- A variety of renovation packages that perfectly suit your budget
For more information, see our portfolio here.
What do our clients say about us?
How you can contact Interior Empire?
| Key Services | Building & Construction Works
Mechanical & Electrical Work Structural works Building Maintenance Term contracts Additions & Alterations Works Commercial & Residential Work Interior Design Works |
| Address | T-SPACE #08-05, 1 Tampines North
Drive 1 Singapore, Singapore 528559 |
| Website | https://interiorempire.sg/ |
| Phone | +65 9234 9300 |
| enquiry@interiorempire.sg | |
| Operating Hours | Open Daily | 11:00 – 20:00 |
HDB renovation license
If you are reading this, chances are you have either a brand new resale or BTO flat, or you are getting ready to modify an existing property. If you want to start hacking away at the walls, you need to hire someone to do it. HDB renovation permits and guidelines are needed before work can start. You need to make sure that you drill according to the rules.
We walk you through what kinds of renovations aren’t allowed in HDB flats, the renovation works which need permits, and the accompanying HDB renovation guidelines so that you can successfully abide by all HDB renovation rules.
First, you visit the HDB website
HDB renovation guidelines still need to be followed even though you can make changes without a permit. You can apply for the permit on MyHDBPage.
If you want to get permission to do any changes to your property, you’ll have to apply for your HDB permit. These documents include the layout plan, as well as the proposed changes you’re looking to make. You might not want to go through this whole process of handling the reno, but it will give you peace of mind to know what you’d need
| Type | Permitted Timings | Frequency |
| General Renovation | 8 AM – 6 PM | Daily |
| Noisy Renovation | 9 AM – 5 PM | Weekdays only* |
| DIY Renovation | 8 AM – 6 PM** | Daily |
Types of work that need HDB license permit
- Floor replacement or treatment
- Plumbing, or changing your sanitation in the bathroom
- Changing your HDB windows
- Hacking HDB wall
- Replacing your HDB doors
- Installing your air conditioner
- Renovating your staircase
HDB renovation without permit
- Cosmetic changes
- Install kitchen cabinet
- Simple electrical work
HDB renovation noise complaint
Many people complain about the noise in HDB but it is the HDB’s responsibility to make sure that this problem will not be a recurring one. And the reason for that is that there’s no real solution.
In this article, we will discuss how to prevent noise from interfering with your life. Neighbors can be kind and supportive, or they can be rude and judgmental. How you treat them can make a big difference.
Here are ways you can help yourself to turn down the HDB noise complaint:
- Asking your neighbors politely to turn the noise down
- Aware of the children around you
- Go out when it’s too loud
- If none of the above help, you can contact your town council or HDB for HDB renovation notice
If it’s not working, you can try this HDB approach:
You can make a noise complaint by writing an email. Please include the following information in your email:
- Your name and NRIC/FIN number
- The address of your HDB flat
- The date and time when the noise started
- The type of work that is being carried out
- The name and contact number of the contractor carrying out the renovation work
- The name and contact number of the supervisor
- The name and contact number of the building manager/flat owner
HDB renovation noise complaint hotline
If you cannot make a noise complaint to HDB, you can call the NEA hotline at 6225 5632.
HDB renovation loan Singapore
Photo by Andrea Piacquadio: https://www.pexels.com/photo/crop-businessman-giving-contract-to-woman-to-sign-3760067/
Getting married or buying a house is stressful and oftentimes financially draining. A renovation loan can be a godsend, easing up your cash flow while also helping you achieve your home renovation goals, regardless if it’s motivated by aesthetic reasons or more practical needs, like making a home more conducive for child-rearing or work-from-home arrangements. We’ve put together a short list of renovation loan facts you should know before taking out a renovation loan.
Criteria for taking renovation loan Singapore
Eligibility for getting a bank loan will vary from bank to bank. They prefer applicants to be 21 to 65 years old. You need to be the property owner or a family member who has the owner’s consent.
Applicants must also be employed, with a minimum income of S$24,000 per annum (p.a.).
Check out the table below for a clearer idea of your loan eligibility with the various banks:
| Age | Single Applicant | Joint Applicants | |
| DBS/POSB | 21 to 50 years | Min. income of $24,000 p.a. | A min is needed by the main applicant. Joint applicants need a min. income of $24,000 p.a. Income is $12,000 per annum. |
| CIMB | 21 to 50 years | Min. income of $24,000 p.a. | Min. income of $24,000 p.a. |
| MAYBANK | 21 to 55 years | Min. income of $30,000 p.a. | The min. was combined. Income is $30,000 per annum. The main applicant is earning a min. of $24,000
|
| OCBC | 21 to 59 years | Min. income of $24,000 p.a. | At least one person needs a short time. An income of $24,000 per annum. |
| RHB | 21 to 55 years | Min. income of $30,000 p.a. | Both applicants need a min. income of $30,000 |
Quantum and tenure
In Singapore, the banks usually loan you up to $30,000 or six times your monthly salary, whichever is lower.
Some banks require a minimum loan amount of S$10,000, while others don’t. The rates on bank loans are usually 3-4%. The maximum loan tenure is usually 5 years.
Renovation loan interest rates
The interest rates on renovation loans are very low. A mortgage refinances loan can save you thousands in interest for a limited time. But they are less effective than personal loans. Home renovation loans have an interest rate of 3-4%, while personal loan has an interest rate of 6-9%.
Take note that the interest can be calculated in 2 ways:
Your renovation loan can be calculated at either a flat rate or an interest-only rate, which is when interest is paid based only on the principal portion. If you pay a monthly rest rate and have an outstanding balance, you’ll have to pay that much every month.
When you see a renovation loan promotion from a bank considers it carefully. It could be worth your time. For those that are seeking a cheaper alternative, it is always best to plan ahead and find a comfortable monthly repayment plan for your desired loan quantum, and within an acceptable tenure.
Other fees to pay
The fees that come with getting a renovation loan are something to consider. The standard fees can have a few things in them.
| Type of Fee | Charge Amount |
| Processing/ Handling Fee | 1% of the approved loan amount |
| Insurance Premium | 1% of the approved loan amount |
| Admin Fee/ Issuance of Cashier’s Order | Each bank has its own Varies per bank. The first cashier’s order is free with POSB, but a $5 fee will be charged for the subsequent ones. The first 3 cashier orders are not required for the two companies. |
| Prepayment Fee | 1-2% on the amount prepaid |
| Cancellation Fee | 1-2% of the approved loan amount |
| Late payment Fee | There are Varies for the bank. The late payment fee is $35 per month for each month that the interest or installments are not paid. The late payment fee is added to the cost of the item. |
Renovation loan usage
What your renovation loan can be used for:
Home renovation loans typically cover the following:
- Hacking and structural alterations
- Sanitary fittings
- Flooring and tiling works
- Electrical and wiring works
- Installation of solar panels
- External works within the house compound
- Built-in cabinets and carpentry
- Painting and wallpapering
BTO, HDB, condominiums, and landed homes can be renovated with the loan.
What your renovation loan cannot be used for:
A home renovation loan doesn’t usually cover any new furniture or appliance purchases.
Nope, it isn’t going to cover an air conditioning system or a built-in oven from Bosch, or a fancy designer sofa.
Some banks like Royal Bank do offer a separate furniture loan if you need financial help with your furniture purchase.
For more information about HDB renovation loans, check this out: https://interiorempire.sg/renovation-loan
HDB renovation cost 4 room
The cheapest way to get a HDB flat? Is it a renovation of the one you already have or a brand new home? You might be wondering how much it costs to change your home, whether it be a 2-room flat or a 4-room HDB. How much a 4-room HDB renovation Singapore costs can be found below.
Is it possible to estimate interior design costs now that you know how to cut them? The price range for interior design packages in Singapore for particular projects is as follows.
| Type of Housing | Estimated Cost |
| 3-room BTO | S$25,000 to S$45,000 |
| 4-room BTO | S$33,000 to S$58,000 |
| 5-room BTO | S$38,000 to S$65,000 |
| 3-room resale | S$30,000 to S$65,000 |
| 4-room resale | S$38,000 to S$73,000 |
| 5-room resale | S$50,000 to S$82,000 |
| Condominium (according to size) | S$40,000 to S$120,000 |
There are a variety of different interior design projects in Singapore, including home renovations, commercial spaces, and more. These are not bad options and there are some that even offer attractive incentives to make the decision to buy from them worth it.
These packages are typically offered to homeowners in need of a renovation and may include project management, masonry, plumbing, and construction. Prices vary depending on the size of the home, and what needs to be done.
The renovation budget is for a 4-room HDB flat
Here are the estimated costs for renovating a 4-room HDB apartment (price is per room):
Estimate of costs for living room renovation for 4-room HDB
| Renovation component | Light | Moderate | Extensive |
| Hacking | $100 to $300 | $300 to $700 | $700 to $3,800 |
| Masonry | $100 to $1,200 | $1,200 to $2,900 | $2,900 to $21,900 |
| Carpentry | $100 to $3,400 | $3,400 to $6,200 | $6,200 to $23,600 |
| Ceiling & partition | $100 to $700 | $700 to $1,200 | $1,200 to $3,200 |
The average cost for a room is per room
| Renovation component | Light | Moderate | Extensive |
| Hacking | $100 to $300 | $300 to $700 | $700 to $3,800 |
| Masonry | $100 to $1,200 | $1,200 to $2,900 | $2,900 to $21,900 |
| Carpentry | $100 to $3,400 | $3,400 to $6,200 | $6,200 to $23,600 |
| Ceiling & Partition | $100 to $700 | $700 to $1,200 | $1,200 to $3,200 |
Estimate costs for kitchen
| Renovation component | Light | Moderate | Extensive |
| Hacking | $100 to $400 | $400 to $900 | $900 to $3,100 |
| Masonry | $100 to $1,300 | $1,300 to $3,800 | $3,800 to $11,200 |
| Carpentry | $100 to $4,200 | $4,200 to $6,800 | $6,800 to $17,800 |
| Plumbing | $100 to $200 | $200 to $400 | $400 to $1,700 |
Estimate the costs for the bathroom
| Renovation component | Light | Moderate | Extensive |
| Hacking | $100 to $400 | $400 to $900 | $900 to $6,700 |
| Masonry | $100 to $1,400 | $1,400 to $5,600 | $5,600 to $17,400 |
| Carpentry | $100 to $1,100 | $1,100 to $2,000 | $2,000 to $8,900 |
| Plumbing | $100 to $200 | $200 to $700 | $700 to $3,800 |
HDB renovation 5 room cost
The total cost of renovating a 5-room resale HDB flat can range from $68,000 to $80,000 on average. Based on the latest estimates, you can reasonably expect to fork out between $68,000 to $80,000 on average to renovate a 5-room flat.
According to the median renovation cost data gathered from over 200 BTO flat projects completed in 2021, homeowners can expect to spend between $35,000 and $38,000 on renovations for a brand-new 3-room BTO flat, $40,000 to $46,000 for a 4-room BTO flat, and $56,000 for a 5-room HDB flat.
Compared to the previous year, the median price of a 5-room unit dropped moderately to steep. There are likely to be several reasons for this, such as the effects of inflation, homeowners being more cautious, and more units sold in the preceding months.
HDB 5-room renovation package
Renovating your home gives you the opportunity to tailor your interior design to fit your personal style. Interior Empire packages include:
- Carpentry works
- Electrical wiring
- Feature wall installation
- Flooring works
- Plumbing works
- False ceiling installation
How long does it take to renovate a 5-room HDB?
The time it takes to renovate a 5-room HDB in Singapore can vary depending on several factors such as the scope of the renovation, the materials used, and the contractor’s schedule. However, on average it can take around 4-6 weeks to complete the renovation of a 5-room HDB.
The renovation process usually starts with the design and planning phase, which can take a few days to a few weeks to finalize. The actual renovation work will then begin, which can take around 2-4 weeks to complete, depending on the complexity of the renovation. This includes the removal of existing fixtures, installation of new materials, and any necessary repairs.
After the renovation work is completed, there will be a final cleaning and inspection before the unit is handed over to the homeowner. This process can take up to a week. It’s important to note that unforeseen issues or delays can occur during the renovation process, which can extend the timeline. It’s always a good idea to work with a contractor who can provide a detailed schedule and keep you informed throughout the renovation process.
How much do you think it will cost to renovate a 5-room HDB?
The cost of renovating a HDB flat can range from $16, 950 – $139, 860. For a more accurate breakdown of the renovation cost, use our renovation calculator. The cost of HDB renovation in Singapore can be affected by several factors, but the 4 most important factors are:
Type of Property
Resale flats tend to be more expensive than BTOs due to the fact that older homes need more extensive renovation. A higher cost is caused by more materials and labor being needed for the renovation.
| Type of Property | Approximate Cost of Renovation (SGD) |
|---|---|
| HDB 3-Room | $20,000 – $30,000 |
| HDB 4-Room | $30,000 – $40,000 |
| HDB 5-Room | $40,000 – $50,000 |
| HDB Executive | $50,000 – $60,000 |
| Condominium | $50,000 – $100,000 |
| Landed Property | $70,000 – $150,000 |
Please note that these are approximate costs and can vary depending on the specific renovation project and contractor. Factors such as the materials used, design, and location can also affect the cost of the renovation. It is always a good idea to get multiple quotes from different contractors and to thoroughly review the contract before signing.
Design and materials
“Design and materials” is one of the most important factors that affect the cost of HDB renovation in Singapore. This factor includes the overall design of the renovation, as well as the specific materials used.The design of the renovation includes the layout, flooring, lighting, and cabinetry, as well as any custom features or finishes. A more complex design with custom features and finishes will typically cost more than a simpler design.
The materials used in the renovation also play a significant role in determining the cost. For example, high-end materials such as natural stone countertops, hardwood flooring, and luxury appliances will be more expensive than more standard materials. Additionally, if you opt for imported materials, it will also increase the cost.
It’s important to note that while using high-end materials and a more complex design will increase the cost of the renovation, it can also add value to your property and improve the overall look and feel of your home.
Size of the unit
is another important factor that affects the cost of HDB renovation in Singapore. The cost of renovating a larger unit will generally be more expensive than renovating a smaller unit. This is because there is more space to be renovated and more materials and labor are required to complete the renovation.
For example, a 5-room HDB flat will typically cost more to renovate than a 3-room HDB flat, due to the additional space and potential for more complex design elements. Similarly, a larger executive apartment will cost more to renovate than a 4-room HDB flat due to the larger living space, bigger kitchens and bathrooms.
It’s important to keep in mind that the size of the unit will also affect the cost of materials, as more materials will be needed to complete the renovation. Additionally, if the unit is bigger, it may also require more labor and time to complete the renovation, which will also affect the overall cost.
It’s important to budget accordingly when planning a renovation for larger HDB unit, and to work with a contractor who can help you make informed decisions about materials and design to keep the cost of the renovation within your budget.
Contractor’s fees
is another important factor that affects the cost of HDB renovation in Singapore. A contractor’s fee is the cost for their services, including the cost of labor, project management, and any other services they provide.
The cost of contractor’s fees can vary depending on the contractor’s experience, reputation, and location. Some contractors may charge a higher fee for their services, but may provide better quality work and after-sales service, while some others may charge a lower fee but may have lower quality workmanship.
Here are some pros and cons of the contractor’s fees:
Pros:
- Experienced and reputable contractors will typically have a higher level of expertise and will be able to provide better quality work and after-sales service.
- Working with a contractor who charges a higher fee may also provide peace of mind, as they are more likely to be licensed, insured, and have a good reputation.
Cons:
- Higher contractor’s fees can make the overall cost of the renovation more expensive.
- Some contractors may charge a lower fee but may have lower quality workmanship, which can lead to issues or additional expenses down the road.
When choosing a contractor, it’s important to consider their experience, reputation, and fee structure, and to weigh the pros and cons of their services. Additionally, it is always a good idea to get multiple quotes from different contractors and to thoroughly review the contract before signing to ensure that the cost of the renovation is within your budget and you are getting the quality of work you expect.
What should be considered when choosing a 5-room renovation package
As an your consultant, I would highly recommend considering the following factors when choosing a 5-room renovation package in Singapore:
- Budget: It is crucial to establish a clear budget for the renovation project. This will not only help you narrow down your options, but it will also ensure that you don’t overspend on unnecessary items or design features.
- Design and layout: The design and layout of your 5-room HDB flat should be carefully considered to optimize the use of space, natural light and functionality. A good renovation package should also take into account your personal style and preferences.
- Quality of materials and workmanship: The quality of materials and workmanship are key to ensure the longevity and durability of your renovation. Look for a contractor that uses high-grade materials and has a strong reputation for their workmanship.
- Timeline: The renovation timeline should be clearly established and agreed upon before the start of the project. A good contractor will be able to provide a detailed schedule and adhere to it, while being flexible to any changes or delays that may arise.
- Warranty and after-sales service: A reputable contractor should provide a warranty on their work and have a good after-sales service. This will give you peace of mind knowing that any issues that may arise after the completion of the renovation will be addressed promptly.
- Professionalism and communication: The contractor should be professional, responsive and easy to communicate with. A good contractor will keep you informed throughout the renovation process, and be able to address any concerns or questions you may have.
- Portfolio and references: It is important to review the contractor’s portfolio and ask for references to get a sense of their previous work and the quality of their service. This will give you an idea of their capabilities and the level of craftsmanship they are capable of delivering.
By considering these factors, you can be confident in finding a 5-room renovation package that not only fits your budget, but also meets your design and functional needs, while ensuring a high standard of workmanship and after-sales service.
Start your HDB renovation journey with Interior Empire
Finding it hard to visualize your unique interior design ideas? Look no further than Interior Empire. As one of the best interior design firms in Singapore, we strive to serve the most innovative ways and new design possibilities in your interior design. Why you should choose as your interior designer:
- We are specialized in creating the highest standards of interior design results out of the most unique and out-of-the-box ideas
- Creating one of a kind design based on our client taste through the help of our certified and experienced designers
- We provide space planning and allocation using the latest 3D visualization technology
- We are experienced in renovating residential and commercial space
- The best quality control and project management to ensure the work gets done on time
Wait no more! Try our different renovation packages based on your different needs. Contact us here or visit our showroom at T-SPACE #08-05, 1 Tampines North | Drive 1 Singapore, Singapore 528559.