kenrickk

And finally, living room now.

Feature wall in the living room. My idea also. Original design given by Johnny was just 4 rectangular pieces. So, i changed the design a bit to this shape and also put a shelf. This will match with my sofa set also.

Living Room Glass panels for prayer room and study room were not installed yet. All glass works were done only after we moved in, after Chinese new year.

My small WIW in the master room. The hanger and drawer are from IKEA. (my idea ) My Entertainment Room, before and after...

Master Bath - shower screen wasn't installed yet at that time. Common Bath

Kitchen The big one is quite difficult to open with things inside. My wife is complaining. So, i bought handles from IKEA and ask them to install for drawers only.

I was busy and lazy. So, stopped posting. Since some are asking, let me post the completed photos of my home. There were problems along the way, especially just before chinese new year. But johnny was helpful. Let me fast forward to completion. Most were taken when we moved in. Now it is messy already.

Saw this coffee table at beds.sg and bought it @$197.

Finally, my reno started last week. Hacking done. This week, tiling start.

I am looking for the king size bed frame with hydraulic lever pull also. I found a few. 1. Star furniture, cost : $1099, $1199 and $1299, $1299 is kingkoil which the lever is quite good. 2. Nova: $1099 3. Novena : $1099 & $1499 4. Homage @ serangoon : $850 (don't know include GST & delivery or not, quality not so good)

These are for common bath room.

We chose from our 1st selection of tiles. But, some of them are out of stock. So finally we got to choose some of the tiles again. The final tile selection will be these. These are for Master Bath Room

Living Room Only one door is glass door which i will be using for entertainment room. The rest are wooden doors. False ceiling looks too plain, i think. Pls give comments.

Thanks. This is the 1st stage 3 D drawings. A lot more to change. Kitchen I told him the fridge is black tempered glass. Not sure whether match with green or not. Bed room and master bath The WIW is sided wrongly.

This is what we've bought so far. Sleep To Live mattress Sofa set (without coffee table) This sofa-bed is from IKEA, not bought yet, but thinking it for TV room.

Bed Rooms & Dining area

This is for resort theme This is to fix together with resort theme tiles Tiles for kitchen floor

Tile Selection, Some choices for Bath Rooms This one don't have sample, just took photo there.

Air con is system 1 & still in quite good condition, but need to take out because i am getting a new system 4

This is the current situation of the house. Ex-owner hasn't moved out yet.

After checking around in the forum and talking to friends, I met with following IDs. 1. DX Interior (Edmund) - No reply after 1st meeting 2. Intra Design (Dave) - Nice guy, Like his idea, but too high for us, 3. Ideal House (Johnny) - Nice and friendly guy, comfortable with him, most importantly, match the budget 4. Fuse Concept (Dan) - Nice guy with ideas, too busy to handle our reno 5. Modern Home (Kent) - Refer by a friend, nice guy, transfer the project to a (i think) new guy 6. *** Interior (Raymond) (met at interior design fair @ Expo) - Didn't follow our instruction, ask me to assign him as designer and pay the $ for design, doesn't matter whether i take the project or not, nice guy but not comfortable. 7. *** Space (met at interior design fair @ Expo) - a new sales guy. I know more than him for some items. 8. Plush Living (met at interior design fair @ Expo, no follow up) 9. *** Creation (Alan) - ok guy, but not comfortable. a lady listen to our conversation from next table, also follow us around and listen while showing the show room, dont know who is the teacher and who is the apprentice. (and dont like his handshake) Finally, we choose to go with Johnny from Ideal House. I can get along with him. And, due to his price, (although not lowest) i manage to add some additional items within our budget. Just sign last week, today was tile viewing. will update later. 7 & 8 became ***. So adjust a bit.

Finally I am going to start my t-blog, after months of checking around. Hope can get some idea here also. This is my original floor plan. After talking to quite a number of IDs and Contractors and after many reviews, this is the final floor plan (Hopefully).

You should not be paying the premium until you actually get the loan and get the property. Normally, you can just pay a week or so before your second appointment. That's why if you take HPS from CPF direct, your first premium will be deducted only at your 2nd appointment. However, HPS is a bit more expensive than private mortgage insurance. One point to take note from what you mentioned above, NO Mortgage Insurance plan in Singapore has the coverage for Critical Illness unless they sell another separate critical illness insurance plan together which will be much more expensive (at least double) than normal mortgage insurance plan. Some, so call consultants, from bank don't know what they are really selling. I think they do not mean to cheat you, but they also don't know properly. They see the critical illness definitions in the quotation, so they think that it has critical illness protection as well. Actually, it is only the critical illness waiver, not the lump sum payment for critical illness. All mortgage insurance plans in Singapore have cover for only Death and Total Disability, some have terminal illness (not critical illness). Critical illness coverage is only for the waiver of premium for your mortgage plan. So, if either of you pass away, the whole mortgage will be paid off. If either of you become total and permanently disable, they will either pay the whole mortgage or pay your mortgage installment (depends on the company). If terminal illness is included, which is if a doctor comment that you will live not more than 12 months, then insurance company will pay the mortgage installments for next 12 months and then paid off the whole mortgage afterthat. For critical illness, all the future premium you need to pay for the mortgage insurance will be waived, but your mortgage will not be paid off. You still need to pay for your mortgage yourself. And, there is no such insurance that will pay your mortgage for you if you lose your job. If there is such thing, i want to get also. (I am a consultant myself) Hope this info will help.