17 Nov '16, 3am

When to use a personal loan for home renovations in Singapore

When to use a personal loan for home renovations in Singapore

Copyright: breadmaker / 123RF Stock Photo The problem with renovating your flat in Singapore is that you never know how much it will cost. Sure, a contractor may tell you it’ll cost $20,000, but you might spend twice that amount by the time they’re done. See also: How much will your renovations cost for your BTO flat or EC ? This is when you need to start looking for the right personal loan. Should a Personal Loan Be the First Option For Renovating Your Flat? For home renovations, a personal loan is not the first loan you should take. Instead, look for home renovation loans (reno loans) from the banks. Reno loans tend to have a lower interest rate than personal loans – about three per cent per annum, versus six per cent per annum. You may also get the occasional special deal: ask the banker you got your mortgage from, and she may even be able to get you an interest-free pe...

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