Looking for advise! I have jst bought a resale HDB and looking at it, I will need to do quite some renovation. If someone can help me with the questions below: 1. What is the major cost of a renovation? 2. I think I will need to hack and re-erect some rooms to change the layout, will this cost me a bomb? 3. With these hacking and re-build, would I have to change the ceiling and flooring as well?