Planning your first HDB renovation can feel overwhelming. There’s the permit, the contractor selection, the budget, the timeline — and a dozen decisions you didn’t even know you’d have to make.
Here’s what you actually need to know before you start.
Understanding HDB Renovation Rules
Not everything can be done to an HDB flat. HDB has clear guidelines on what works require approval, what materials can be used, and what’s strictly prohibited. Your contractor — if they’re properly registered — should handle all of this for you. Never hire someone who tells you to ‘just go ahead’ without permits.
Setting a Realistic Budget
A 4-room HDB full renovation typically costs between S$40,000 and S$65,000 depending on finishes, scope, and carpentry. A 3-room starts from around S$25,000. Budget 10–15% contingency on top of your quoted amount for surprises during hacking works.
Choosing Your Contractor
Get at least three quotes. Make sure every quote is itemised — not a lump sum. Check that the contractor is on the HDB Renovation Contractor (RC) Scheme list. Ask for references and visit actual completed projects if you can.
The Timeline
A full 4-room renovation typically takes 8–12 weeks from works commencing. BTO renovations tend to be faster because the flat is empty. Factor in permit approval time (usually 1–2 weeks) before works begin.
Common Mistakes to Avoid
- Paying too much upfront — a reasonable deposit is 10–20%
- Not getting everything in writing — verbal agreements don’t hold up
- Choosing price over quality — cheap usually costs more long-term
- Not doing a proper final walkthrough before signing off