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😣Wish we knew all these when we applied for BTO in the past. It could have saved me some anxiety from uncertainty. Here's what I learned from experience and from friends' sharing.
1️⃣ Financial planning as a couple
Sounds like a big thing, but it's as easy as having that first convo on:
💘How much cash savings do you have?
💘 How much are you intending to save each month?
💘What is your current income?
💘How much do you have in your CPF Ordinary Account (OA)?
This is important because it will determine whether you have enough for downpayment and how much you can afford in future for your monthly instalment.
2️⃣ Check which housing grant you are eligible for
💰The grant has just been increase to $80,000, if your total income is below $9000, and you are buying a 4 room BTO or smaller. It’s basically free money!
Find out more here: Seedly article
3️⃣ Save up early for your reno 🛋️
According to Qanvast, the average reno cost for a 4 room BTO in 2023 is $49,500 to $62,800.
💸The price will continue to go up! So don't expect to suddenly have a windfall when you get your keys, and never never get a reno loan. You might have so much more commitement by then, paying off a reno loan is the least you want to worry about.
🏡Have fun in your BTO journey!
#Adulting101 #bto #btorenovation #btosg #financialplanning #moneytips