EmptyDivided

Can I complete the group required for the 20%?

The best people to ask are HDB. Give them a call.

To my knowledge, you cannot make any penetrations into the wall at all in the bombshelter. As this is a bombshelter, the integrity of the walls cannot be compromised.

If the glass is frosted by sand blasting, HOT Steam will will travel and condense on the glass to fill up gaps in the frost causing the glass to be more transparent. Not much privacy when you take a hot shower then. If you are going to using a frosted laminate, it might work better to keep prying eyes away.

Please do take note you can't cut tempered glass to size. Rather you have to buy the tempered glass in that size. You can't cut tempered glass. The glass has to be cut and bevelled before going through the temper process.

If clarifications are not clear, you should go back to the bank, look for the Branch manager and ask them for a satisfactory answer. There should be a Financial consultant at the bank working for the representing insurance company who should be able to give you answers. I was advised that once the option is exercised, I would be liable for the property even though the bank loan is not disbursed. As long as I have signed the facility letter, there is a binding. Therefore to ensure my family will not have difficulties, (touch wood) if anything were to happen to me, it would be wiser to pay for the extra three months. I hope this helps.

If you are thinking of changing to double glazed windows, you will have to change the outerframe as well. Even if you are changing to a combo of casement and sliding, you still have to change frames. And that if I am not wrong is against HDB regulations, I don't think they will approve. The cheapest and most effective method is to change the rubber gaskets in the windows and put heavy curtains. But I have seen the older flats, the ones with the walkways have changed theirs. The best is to call HDB and ask. Hope this helps.