4-Room HDB - Punggol Walk
What Houzz contributors are saying:
2. Fun pastels on a Scandi base. Singapore, Free Space IntentRead the Houzz Tour: Scandi Style Adds Fun Vibes to an Urban Flat
1: Determine if you are eligible to purchase a BTO flat and the grants that are available to youGovernment subsidised housing, one of Singapore’s finer policies, have strict eligibility clauses to ensure applicants have an actual need for a new flat. There are only three basic criteria you’ll have to qualify for:CitizenshipAt least one occupant applying for the flat must be a Singaporean citizen or permanent resident. Age and family nucleusAs long as you are 21 and above, you can apply with your fiancé or fiancée, or with your wife and children for a BTO flat. If you are single, you must be at least 35 years old.Property ownershipIf you already own a HDB flat, private property either locally or overseas, you will not be eligible to apply. But if you dispose of your property/properties within six months, you can apply.For more details, read here.But the most important criteria would be if you can afford your new flat. You’’ll have to worry about being able to afford the:Housing loanEither a loan from the HDB or the bank.Option feeThis is part of your downpayment, and can range between $500 and $2,000 depending on the size of your flat. This will have to be paid in cash.DownpaymentDepending on your loan, this will either be 10 per cent or 20 per cent of your flat purchase price. It is payable with CPF.Housing grantsTo help you out, there are plenty of grants available. The grants, which can go up to $80,000, will be deposited into your CPF accounts and will be used to pay your initial downpayment and used to offset your mortgage loan. Here are some factors that affect your CPF grants:If you are a first time applicantAverage household incomeHow close you live to your parentsThe location of your potential flat(Flats in non-mature estates are eligible for a Special Housing Grant on top of the original Additional Housing Grant)A good thing to note is that if you have applied for your flat with your fiancé or fiancée the grant will be distributed evenly between both your CPF accounts. For more information on grants, read here.
Hygge factor: Use colour with purposeWhite plays a predominant role in most Scandinavian colour palettes, for its ability to visually expand a room and soothe the eye. It also acts as a good backdrop to allow pieces in the room to stand out, like this quirky lighting arrangement and vintage bicycle mounted on the wall.How it works in the Singapore home:White, as well as other neutral tones, helps to make a flat appear larger and brighter. Use it on both the walls and ceiling, as well as the curtains, for a light, airy atmosphere.Get the right white for your walls
WHAT WE’RE LOOKING FORFresh designWe hear you – the Scandinavian-inspired style is so prevalent in Singapore! But this 4-room HDB flat‘s Scandi-style is playful, and cleverly sprinkles some Pantone Colours of the Year (Serenity and Rose Quartz) throughout its design, adding newsworthiness to it.
Houzz at a GlanceWho lives here: A newlywed couple in their late 20sLocation: 4-Room HDB flat in Punggol WalkSize: 980 sqftStepping into the dining and living area, the Scandinavian inspiration is immediately apparent in the light wood furnishings and overall colour palette. A pink bicycle hanging from a concrete screed feature wall adds a surprising touch of whimsy. The cement wall on its own, says Seow, had no character and was “too clean”. The old-fashioned bicycle with its little basket provided a lovely counterpoint to the wall’s raw finish “because it looks very clean, pink, soft,” says Seow.