What the allowance covers
Selected work, unresolved allowances and unpriced exclusions have separate places.
Start with the selected work
The model adds the selected room, floor and bathroom-finish lines, supply fixtures, design and protection, and any selected whole-home systems. Conditional haulage and condo access appear once where they apply.
Keep is a planning choice, not an inspected condition. It never certifies wiring, pipes or a retained surface.
GST and reserve
The fictional assumptions use 9% GST and a 10 to 15% reserve. The headline rounds outwards to S$500. Prices are illustrative assumptions dated 12 October 2026, not surveyed market rates or quotations.
Outside the number
Electrical and plumbing marked Not sure stay outside the selected allowance until inspection decides. A structural intention adds a professional-review allowance outside it and hides the numeric schedule. No structural work is priced.
Concealed defects, appliances, air-conditioning, windows, loose furniture, temporary accommodation and refundable management deposits remain unpriced exclusions. The reserve does not cover them by implication.
The timing has conditions
Cosmetic-only refresh has a provisional 2 to 4 weeks on site and 6 to 10 overall. Broader selected scopes use 8 to 14 and 16 to 26 weeks. These assumptions are not confirmed dates or trade-duration promises.
An existing HDB block’s approved work must fit its one-calendar-month permit condition. Condo management rules must be checked. Structural review or bathroom-finish replacement in an HDB block aged three or under means no numeric schedule.
Four ways to compare
Room to cook keeps wardrobes, floors and tiles. A home between trips adds condo access. A resale reset replaces every room, floor and bathroom finish with new wiring and pipes. Keep the joinery overlays only the ordinary floor. Their itemised allowances come from the same model.
Compare the four home studies
- A home between trips: S$28,500–49,500 selected works, illustrative assumptions.
- A resale reset: S$74,000–131,500 selected works, illustrative assumptions.
- Keep the joinery: S$11,000–18,500 selected works, illustrative assumptions.
- Room to cook: S$26,500–46,500 selected works, illustrative assumptions.