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Abit of General Background: Hi everyone, been waiting for a long time for my 2 room flat to be built. My estate is the upcoming Admiralty Grove located right next to Spectra Sec School in Woodlands. From how it progressed so far, I will probably get my keys around Sept 2017 or hopefully early June-July 2017. Since its less then a year before I get my keys, I figured its finally time to get serious and visit this forum more often. Recently been using this very nice free Android App called "Planner 5D" to do a concept draft of how I envision my future apartment to be, and I look forward to any feedbacks and comments on how feasible it is to implement the ideas I've envisioned, any improvements I should look into, and how much of a ballpark quote should I be expecting when meeting up with IDs in the future. (If you are an ID, feel free to PM me agar agar how much you think my design is gonna cost. Would also much appreciate if you can help answer some renovation technical questions I have in my 2nd post on this thread.) Thanks in advance! =============================================== Here are the links you can click to view in 3D. Please use either Firefox or Chrome for Optimal Experience. (Once the page loads, it will be a 2D drawing. You will need to click on the "3D" button to the right to load it. Use WASD keys to move around, scroll wheel to zoom in/out and hold left mouse button to look around.) Please ignore that Blue Box in the Living Room. I'm using it as a reference guide for something I want to put there. I've tried my best to follow as closely as possible to the exact measurements given in my HDB floor plan, so the scale is probably 90%++ accurate as far as I know. 1st Design (White Kitchen Version)https://planner5d.com/editor/?key=a76382dc36da75584d0ec21f06aaa7421st Design (Black Kitchen Version)https://planner5d.com/view/?key=d06bf2ce222b98261e39d2749623e484------------------------------------------------------2nd Design (White Kitchen Version)https://planner5d.com/view/?key=1b6ef6056aaa1f365a1ea1d21dc427632nd Design (Black Kitchen Version) <--- So far i'm really liking this version lol.https://planner5d.com/view/?key=66ca3b2a4acb230de795a0de44f2cb12 My HDB Floor Plan: Here is a scan of my floor plan by HDB, a 2 room 35sqm (Type 1)

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Hi all, I am new to this forum, and I have some questions to ask. What do you all think is the best option for a first time home buyer, a mortgage broker, or a bank? And how and where should we start with, if we need a mortgage. Like all couples, even our dream is to live in our own house. I have recently changed my job, and now I have a better income, so me and my wife have been planning to buy our own home. But, neither of us have any experience with the mortgages. We are confused in the initial stage itself, between a bank or mortgage broker, http://www.albertamortgagecentre.com/using-a-mortgage-broker-vs-using-a-bank/. I am ok to pay high monthly installments, because the loan will end faster. We have already selected the condo that we wish to purchase, and once the mortgage is set, and the funds are ready, we will be heading to our own home soon. So, I need your valuable advises here.

haha, actually not really.. went today with id and discussed further as there are some changes to the design due to the house's current condition e.g. really dirty skirting which is on the verge of cracking etc now waiting to discuss with hubby aka CFO whether can add those changes into the budget or not.