{"id":4197,"date":"2016-01-19T06:14:23","date_gmt":"2016-01-18T22:14:23","guid":{"rendered":"https:\/\/www.99.co\/blog\/singapore\/?p=4197"},"modified":"2022-07-01T03:59:46","modified_gmt":"2022-06-30T19:59:46","slug":"4-affordable-living-arrangements-for-couples-whose-homes-are-still-under-construction","status":"publish","type":"post","link":"https:\/\/www.99.co\/singapore\/insider\/4-affordable-living-arrangements-for-couples-whose-homes-are-still-under-construction\/","title":{"rendered":"4 Affordable Living Arrangements For Couples Whose Homes are Still Under Construction"},"content":{"rendered":"
<\/div>

In other developed societies, couples move in together before getting married, and then at some point before or after the wedding they decide if they\u2019re financially stable enough to purchase a home.<\/p>\n

In Singapore, something quite different happens\u2014couples wait years for their flats to be built, and many are forced to continue living with their parents for years after tying the knot because their property isn\u2019t up yet.<\/p>\n

The years between officially getting married and waiting for their flats place couples in an awkward position. Is one of them forced to resign themselves to living with their in-laws (infinitely worse than having to live with your own parents), or should they shell out the cash to rent their own place?<\/p>\n

Here are some affordable living arrangements people who find themselves in such a situation can consider!<\/p>\n

Rent a flat under the Parenthood Provisional Housing Scheme<\/b><\/h3>\n

For locals who aren\u2019t on cushy expat packages, the Singapore housing market favours buyers, not renters. Worst of all, for couples who are already stinging from the twin expenses of a wedding and a downpayment on their under-construction home, renting a flat on the private market is often too much of a financial burden.<\/p>\n

The PPHS Scheme<\/span><\/a> was designed to provide those couples with an affordable living arrangement while increasing the birth rate as they wait for their flats to be ready.<\/p>\n

Married or engaged couples who\u2019ve booked an uncompleted BTO or SBF flat are eligible. The catch is that you will have to register your marriage within 3 months of taking possession of the rental flat. For some couples, this could mean getting married years earlier than originally anticipated.<\/p>\n

The main advantage of this particular affordable living arrangement is that it\u2019s way cheaper. An entire 3-room flat in Ang Mo Kio Ave 2 will cost you $900 a month\u2014in estates like Toa Payoh and Queenstown, people can rent out a single room in their flat at that price. Rents can go up to $1,700 to $1,900 for 5-room flats.<\/p>\n

\"renting<\/p>\n

Rent a master bedroom on the private market<\/b><\/h3>\n

The PPHS offers, without a doubt, one of the most affordable living arrangements for couples. But there are still some people who\u2019ll end up having to rent on the private market if they wish to move out of their parents\u2019 homes.<\/p>\n

Maybe you\u2019re shopping around for a resale flat and just aren\u2019t ready to plonk down the cash yet. Maybe you\u2019re buying private property and it\u2019s still being built. Or maybe you don\u2019t want to be forced to ROM right away, preferring to test drive living together before you\u2019re finally forced to tie the knot when you collect the keys to your BTO flat.<\/p>\n

Renting on the private market is not the most affordable living arrangement one can find. If you\u2019re on a budget, instead of renting an entire unit you might want to consider renting a master bedroom in a flat or condo (as opposed to a \u201ccommon room\u201d, in real estate agents\u2019 parlance). You\u2019ll still have to share the rest of the flat with the landlord or flatmates, but you\u2019ll have a relatively large room with a big bed and, in the case of a master bedroom in a condo, you\u2019ll also have your own bathroom.<\/p>\n

Master bedrooms in condos tend to offer a fairly high degree of privacy even if you have to share the unit with other occupants thanks to the private bathroom.<\/p>\n

If you share the flat with working professionals, there\u2019s a high chance they\u2019ll hardly be at home till late in the night, so you\u2019ll be free to cook and do your laundry without anyone else hanging around.<\/p>\n

Another advantage to sharing a condo with other renters is that flatmates typically chip in to engage a cleaner to come in weekly. That means you get to postpone those fights over who has to clean the house to when your flat is ready.<\/p>\n

Rotate between the in-laws\u2019 places<\/b><\/h3>\n

When a couple decides to live with their in-laws, it\u2019s often the one who needs to move in who faces the most consternation, because let\u2019s face it, living with your SO\u2019s parents is stressful, especially when you\u2019re expected to be the good, \u201ctraditional\u201d son or daughter in law.<\/p>\n

Unless you have a really terrible home life, it\u2019s even worse than living with your own parents, who\u2019ve seen you at your worst and still haven\u2019t disowned you. Also, problems might arise if the in-laws you\u2019re living with feel like you should be indebted to them for providing you with a place to stay, or think you\u2019re taking advantage of their generosity.<\/p>\n

Of course, your SO will say they would never do that. But I have enough friends who hate their in-laws while their spouses remain oblivious to know that it can happen to anyone.<\/p>\n

One solution is to rotate between the in-laws\u2019 homes, maybe spending a month at one place and then a month at another. That way you can make a hasty getaway before tensions have the chance to simmer. Believe me, not having to be around your in-laws 24\/7 can really improve your relationship with them.<\/p>\n

\"couples<\/p>\n

Take frequent staycations<\/strong><\/h3>\n

For whatever reason, it may be more practical for you and your partner to live with your respective parents until your home is ready. Maybe one of you works in Changi Business Park and lives with parents in Pasir Ris, while the other works in Tuas and lives in Jurong West. Moving in together would make life very inconvenient for one person.<\/p>\n

The most affordable living arrangement, at least in the interim, could be to simply continue living with your respective parents, while making sure you take frequent staycations to keep the spark alive.<\/p>\n

Airbnb<\/span> has found that a significant number of their renters in Singapore are actually couples who need a break from their parents\u2019 homes<\/span><\/a>.<\/span><\/p>\n

Checking into a nice apartment once or twice a month can be a real treat, and you\u2019ll end up actually enjoying the facilities more than if you actually lived there, since most condo dwellers forget about the existence of their pools and gyms after a while.<\/p>\n

Sure, it\u2019s unlikely you\u2019ll be doing much to increase the birth rate using this option, but that\u2019s a problem for policymakers to figure out.<\/p>\n

If you find this article helpful, 99.co recommends Renting vs buying property in Singapore: Which is better for you<\/a> and The rental market in Singapore: Why renting isn’t only for foreigners<\/a>.<\/p>\n

Find the rental home of your dreams today at Singapore\u2019s largest property portal\u00a099.co<\/a>!<\/p>\n","protected":false},"excerpt":{"rendered":"

In other developed societies, couples move in together before getting married, and then at some point before or after the wedding they decide if they\u2019re financially stable enough to purchase a home. In Singapore, something quite different happens\u2014couples wait years for their flats to be built, and many are forced to continue living with their…<\/p>\n","protected":false},"author":16,"featured_media":54131,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_relevanssi_hide_post":"","_relevanssi_hide_content":"","_relevanssi_pin_for_all":"","_relevanssi_pin_keywords":"","_relevanssi_unpin_keywords":"","_relevanssi_related_keywords":"","_relevanssi_related_include_ids":"","_relevanssi_related_exclude_ids":"","_relevanssi_related_no_append":"","_relevanssi_related_not_related":"","_relevanssi_related_posts":"","_relevanssi_noindex_reason":"","_lmt_disableupdate":"","_lmt_disable":"","_genesis_hide_title":false,"_genesis_hide_breadcrumbs":false,"_genesis_hide_singular_image":false,"_genesis_hide_footer_widgets":false,"_genesis_custom_body_class":"","_genesis_custom_post_class":"","_genesis_layout":"","footnotes":""},"categories":[53631,53632,53589,57131,53590],"tags":[53903,53634,53915,53924,53925],"persona":[],"class_list":{"2":"type-post","17":"entry","18":"has-post-thumbnail"},"acf":[],"yoast_head":"\n4 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