HDB Interior Design Singapore: Open Plan Living Financing
HDB interior design Singapore open-plan living costs real money, and the recent rise in resale prices has pushed more owners to budget the reno before they sign the Option. A 4-room BTO reno runs about S$30,000 to S$45,000 in the market, while a resale often lands at S$50,000 to S$70,000 because of extra hacking and rewiring. Knowing the range early keeps the open layout affordable.
HDB interior design Singapore open plan costs you can fund
Opening the living hall means removing a non-structural divider, not a load-bearing wall. Keep that rule in mind because it sets what a contractor can quote. The market ranges above are guides, not fixed prices. Your final sum depends on carpentry metres, flooring area and how much rewiring the resale flat needs.
Plan the budget in three bands. First, the structural and permit work, which is small. Second, the flooring and painting across the opened space. Third, the carpentry that defines the new zones. Write each band down so you see where the open plan eats money.
Where the money actually goes
An open layout hides cost in the details. The wall comes down cheap, but the floor must be made continuous and the services must move. List these line items with your contractor before you commit.
- Hacking and debris removal for the divider, booked within weekday 9am to 6pm noise windows only.
- Vinyl or laminate across the joined floor so the hall reads as one level, using HDB approved flooring.
- A feature partition or half-height shelf that marks the living zone without closing the light.
- Extra power points and data lines run before the painter arrives, since rewiring a resale adds cost.
- Lighting layers, because an open room needs more than one ceiling point to feel warm.
Steps to fund the renovation
You do not need the cash in hand on day one. Most owners mix savings with a renovation loan and time the drawdown to the BTO renovation timeline. The steps below keep the flow clear.
- Set the layout and get a written quote from an HDB Licensed Renovation Contractor listed in the Directory of Renovation Contractors.
- Apply for the HDB renovation permit. Processing takes about 2 weeks, so the loan and permit move together.
- Check a renovation loan with a bank that accepts HDB projects. Loan caps follow your income, not the flat value.
- Release payment by milestone: deposit, after hack, after carpentry fix, after handover. Never pay the full sum upfront.
- Keep a 10 percent buffer for resale surprises like old wiring. The buffer stops a small find from breaking the plan.
Keep the open plan within budget
An HDB open concept kitchen pairs well with open living because one hack serves both. Combine the works so the contractor prices them as a single job. Choose laminate carpentry and quartz counters, which are HDB-approved materials that cost less than full timber yet last.
The open home you want is a budget you control, not a number you fear. Sit with a whole-house customization team, show them the market range for your flat type, and let them shape the open plan to that figure. You get the light and flow you pictured, with the financing mapped before the first wall comes down.
