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80k reno loan? banks loans above 30?

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If you are working on tiles, it does not mean water proofing must be done. Unless you are hacking the flooring which im sure you have signed the documents from HDB telling you about the "No hacking" for the net few years. Overlaying of tiles does not require the "water proofing" if that was the information conveyed to you. Basic needs are, Kitchen Cabinets, kitchen curb, electrical works, Plumbing, Cleaning. These are the ESSENTIAL items. Apart from these, everything else are additional.

Hi Newhere, Acutally most people or ID companies will take an initial deposit from the clients in order for the to "proceed" with any works, which includes design etc; but yours being 1000 is actually quite low, I have friends who told me they paid a deposit of 5% which amounted to nearly 4k just to see the designs which after 4 revisions are still not up to the expected standards and they eventually say there is a maximum of 3 corrections after which there is an additional charge. Design firms will eventually waive off the charge for designing f you take their services but since you have paid 1k most people do not want to part with this amount of money and end up paying 10-15% above the market value of the renovation costs which you can get from any contractor. Most of this design fees that are being charged are actually a load of crap, since they just re-use previous designs change the colors and move the items then this is their new "master piece". All these design ideas are actually much cheaper if you go directly to any petrol station of magazine store to buy a copy of Living Style of Homes magazine at 7 dollars each and tell the contractor this is the design you want. All designs are actually honestly most of the time your own ideas if you realise, you do the input and they just materialise it on drawings. Shouldn't they be paying you instead?

tempered glass breaks by itself if not knocked but breaks is due to http://en.wikipedia.org/wiki/Spontaneous_glass_breakage