{"id":62178,"date":"2022-12-02T11:46:13","date_gmt":"2022-12-02T03:46:13","guid":{"rendered":"https:\/\/www.99.co\/singapore\/insider\/?p=62178"},"modified":"2022-12-14T10:59:53","modified_gmt":"2022-12-14T02:59:53","slug":"transnational-couple-cultural-differences-home-buying","status":"publish","type":"post","link":"https:\/\/www.99.co\/singapore\/insider\/transnational-couple-cultural-differences-home-buying\/","title":{"rendered":"Transnational couple shares cultural differences, including hiring a reno ID, in home-buying"},"content":{"rendered":"<div id=\"bsf_rt_marker\"><\/div><p>As J and C neared their two-year rental contract, they had to decide whether to renew their rental or consider a more permanent housing option. The couple, now in their early thirties, were <a href=\"https:\/\/www.99.co\/singapore\/rent\/condos-apartments\" target=\"_blank\" rel=\"noopener\">renting a condo<\/a> after they married.<\/p>\n<p>\u201cWe wanted to explore how to live independently without our parents whilst exploring housing options. The rental market in Singapore was such that renting a furnished or partially furnished one or two-bedroom condo unit was comparable to renting an HDB flat.\u201d<\/p>\n<p>Another reason for renting a condo was so that they could enjoy the convenience and condo facilities since they were newly married and had no children. In fact, J and C enjoyed living in the condo, as it was just a five-minute walk under the shelter to the train station and mall.<\/p>\n<p>But as the two-year contract was ending, J and C had to decide if they should continue renting or purchase a house. The couple eventually decided to buy a home.<\/p>\n<p><iframe loading=\"lazy\" style=\"border: none; width: 350px !important; box-shadow: 0px 2px 12px rgb(11 17 52 \/ 15%); border-radius: 16px;\" src=\"https:\/\/www.99.co\/property-value-widget?contentSource=insider-blog&amp;contentId=test123\" width=\"350\" height=\"370\" scrolling=\"no\"><span data-mce-type=\"bookmark\" style=\"display: inline-block; width: 0px; overflow: hidden; line-height: 0;\" class=\"mce_SELRES_start\"><\/span><span data-mce-type=\"bookmark\" style=\"display: inline-block; width: 0px; overflow: hidden; line-height: 0;\" class=\"mce_SELRES_start\"><\/span><span data-mce-type=\"bookmark\" style=\"display: inline-block; width: 0px; overflow: hidden; line-height: 0;\" class=\"mce_SELRES_start\"><\/span><span data-mce-type=\"bookmark\" style=\"display: inline-block; width: 0px; overflow: hidden; line-height: 0;\" class=\"mce_SELRES_start\"><\/span><span data-mce-type=\"bookmark\" style=\"display: inline-block; width: 0px; overflow: hidden; line-height: 0;\" class=\"mce_SELRES_start\"><\/span><span data-mce-type=\"bookmark\" style=\"display: inline-block; width: 0px; overflow: hidden; line-height: 0;\" class=\"mce_SELRES_start\"><\/span><span data-mce-type=\"bookmark\" style=\"display: inline-block; width: 0px; overflow: hidden; line-height: 0;\" class=\"mce_SELRES_start\"><\/span><span data-mce-type=\"bookmark\" style=\"display: inline-block; width: 0px; overflow: hidden; line-height: 0;\" class=\"mce_SELRES_start\"><\/span><span data-mce-type=\"bookmark\" style=\"display: inline-block; width: 0px; overflow: hidden; line-height: 0;\" class=\"mce_SELRES_start\"><\/span><span data-mce-type=\"bookmark\" style=\"display: inline-block; width: 0px; overflow: hidden; line-height: 0;\" class=\"mce_SELRES_start\"><\/span><span data-mce-type=\"bookmark\" style=\"display: inline-block; width: 0px; overflow: hidden; line-height: 0;\" class=\"mce_SELRES_start\"><\/span><span data-mce-type=\"bookmark\" style=\"display: inline-block; width: 0px; overflow: hidden; line-height: 0;\" class=\"mce_SELRES_start\"><\/span><span data-mce-type=\"bookmark\" style=\"display: inline-block; width: 0px; overflow: hidden; line-height: 0;\" class=\"mce_SELRES_start\"><\/span><span data-mce-type=\"bookmark\" style=\"display: inline-block; width: 0px; overflow: hidden; line-height: 0;\" class=\"mce_SELRES_start\"><\/span><span data-mce-type=\"bookmark\" style=\"display: inline-block; width: 0px; overflow: hidden; line-height: 0;\" class=\"mce_SELRES_start\"><\/span><span data-mce-type=\"bookmark\" style=\"display: inline-block; width: 0px; overflow: hidden; line-height: 0;\" class=\"mce_SELRES_start\"><\/span><span data-mce-type=\"bookmark\" style=\"display: inline-block; width: 0px; overflow: hidden; line-height: 0;\" class=\"mce_SELRES_start\"><\/span><span data-mce-type=\"bookmark\" style=\"display: inline-block; width: 0px; overflow: hidden; line-height: 0;\" class=\"mce_SELRES_start\"><\/span><span data-mce-type=\"bookmark\" style=\"display: inline-block; width: 0px; overflow: hidden; line-height: 0;\" class=\"mce_SELRES_start\"><span data-mce-type=\"bookmark\" style=\"display: inline-block; width: 0px; overflow: hidden; line-height: 0;\" class=\"mce_SELRES_start\"><\/span><\/span><\/iframe><\/p>\n<h2>Considered going for either an HDB resale flat or condo<\/h2>\n<p>J and C did not see <a href=\"https:\/\/www.99.co\/singapore\/insider\/buying-bto-process-procedures-2\/\" target=\"_blank\" rel=\"noopener\">buying a BTO flat<\/a> as a viable option due to the long waiting time. On top of that, since only one of them is a Singaporean (the other half is Danish), they don\u2019t enjoy subsidies as much as their peers.<\/p>\n<p>\u201cInitially, before the PR application was approved, we considered buying an HDB flat under the Non-Citizen Spouse Scheme. But we ended up renting instead until the PR application went through.\u201d<\/p>\n<p><em>(Writer\u2019s note: Couples with a foreign spouse are <a href=\"https:\/\/www.99.co\/singapore\/insider\/singaporeans-marrying-foreigners-home-ownership\/\" target=\"_blank\" rel=\"noopener\">subjected to restrictions<\/a> when buying an HDB flat. For instance, if they are to buy from HDB, such as through the BTO exercise, they can only buy a 2-room Flexi flat in a non-mature estate. And like singles, they can only buy when they turn 35.<\/em><\/p>\n<p><em>On the other hand, there are fewer restrictions if they buy on the resale market. This includes being allowed to buy any flat type other than <a href=\"https:\/\/www.99.co\/singapore\/insider\/3-things-3gen-hdb\/\" target=\"_blank\" rel=\"noopener\">3Gen<\/a> and <a href=\"https:\/\/www.99.co\/singapore\/insider\/plh-prime-location-public-housing-model-hdb\/\" target=\"_blank\" rel=\"noopener\">PLH<\/a> resale flats without having to wait till they turn 35. Nevertheless, buying through the scheme means they are only <a href=\"https:\/\/www.99.co\/singapore\/insider\/hdb-grants-for-singles-2\/\" target=\"_blank\" rel=\"noopener\">eligible for grants that are usually for singles<\/a>.)<\/em><\/p>\n<p>After the PR application was approved, the couple sat down and calculated their finances. At the time, as they had only started working for a couple of years, they had two options: a two-bedder condo or a resale HDB flat of a more \u2018comfortable size\u2019.<\/p>\n<p>While the couple had also considered buying a <a href=\"https:\/\/www.99.co\/singapore\/new-launches\" target=\"_blank\" rel=\"noopener\">new launch condo<\/a>, it would entail a longer wait, just like a BTO flat. The price psf of a condo was also higher.<\/p>\n<p>\u201cWe also looked into buying a resale condo, but whether it was a resale HDB flat or resale condo, the need for a renovation meant that we could bring both options to the standard we wanted.<\/p>\n<p>\u201cWe consulted with one of our relatives, a property agent, to delve deeper into the pros and cons of each option and started our HDB house-hunting from there.\u201d<\/p>\n<p style=\"border: 0.8px solid #808080; font-size: 17px; padding: 15px; text-align: left;\"><strong>SELLING YOUR PROPERTY?<\/strong> Would you like to know how much your property is worth? Or maybe you&#8217;re considering listing your property for sale? <i><a href=\"https:\/\/go.99.co\/99gformblog\" target=\"_blank\" rel=\"noopener\">Let us know, and we&#8217;ll have a consultant reach out to you!<\/a><\/i><\/p>\n<h2>Bought a 5-room resale HDB flat for around S$600k without COV<\/h2>\n<p>During the house-hunting journey, J and C had a few must-haves:<\/p>\n<ol>\n<li>The house needs to be located <a href=\"https:\/\/www.99.co\/singapore\/mrt-stations\" target=\"_blank\" rel=\"noopener\">less than ten minutes away from the train station<\/a> and central neighbourhood amenities (\u201cWe are very spoiled Singaporeans!\u201d)<\/li>\n<li>It should be around the North-East area (\u201cThis is where one of our family and social circles are, and close enough for a <a href=\"https:\/\/www.99.co\/singapore\/insider\/proximity-housing-grant-phg-resale-flats-guide\/\" target=\"_blank\" rel=\"noopener\">Proximity Housing Grant<\/a>. A sense of place is also key to establishing roots in familiar grounds.\u201d)<\/li>\n<\/ol>\n<p>On top of that, the house should meet the following fringe criteria:<\/p>\n<ul>\n<li>Located on a high-floor<\/li>\n<li>A flat layout where bedrooms are at one end of the house, with a \u2018corridor-like\u2019 passageway outside the bedrooms, reminiscent of the layout of a typical European flat<\/li>\n<\/ul>\n<figure id=\"attachment_62203\" aria-describedby=\"caption-attachment-62203\" style=\"width: 1200px\" class=\"wp-caption alignnone\"><a href=\"https:\/\/www.99.co\/singapore\/insider\/wp-content\/uploads\/2022\/12\/hyggligt_hus-corridor-before-after-reno.jpg\" class=\"img-link media-img img-link media-img\"><img decoding=\"async\" class=\"wp-image-62203 size-full\" src=\"https:\/\/www.99.co\/singapore\/insider\/wp-content\/uploads\/2022\/12\/hyggligt_hus-corridor-before-after-reno.jpg\" alt=\"hyggligt_hus corridor before and after reno\" width=\"1200\" height=\"700\" srcset=\"https:\/\/www.99.co\/singapore\/insider\/wp-content\/uploads\/2022\/12\/hyggligt_hus-corridor-before-after-reno.jpg 1200w, https:\/\/www.99.co\/singapore\/insider\/wp-content\/uploads\/2022\/12\/hyggligt_hus-corridor-before-after-reno-150x88.jpg 150w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" \/><\/a><figcaption id=\"caption-attachment-62203\" class=\"wp-caption-text\">The passageway outside the bedrooms of the HDB flat, before and after renovation. Image credit: J and C<\/figcaption><\/figure>\n<p>J and C eventually settled for a 5-room Improved HDB flat, with a floor area of 121 sqm (1,302 sq ft) in the North-East and a lease start date from 1985. The flat was bought in late 2019 when the asking price was around S$600k. They didn\u2019t pay <a href=\"https:\/\/www.99.co\/singapore\/insider\/cash-over-valuation-cov-hdb\/\" target=\"_blank\" rel=\"noopener\">cash-over-valuation (COV)<\/a> for it.<\/p>\n<figure id=\"attachment_62190\" aria-describedby=\"caption-attachment-62190\" style=\"width: 1200px\" class=\"wp-caption alignnone\"><a href=\"https:\/\/www.99.co\/singapore\/insider\/wp-content\/uploads\/2022\/12\/hyggligt_hus-kitchen-before-reno.jpg\" class=\"img-link media-img img-link media-img\"><img decoding=\"async\" class=\"wp-image-62190\" src=\"https:\/\/www.99.co\/singapore\/insider\/wp-content\/uploads\/2022\/12\/hyggligt_hus-kitchen-before-reno.jpg\" alt=\"hyggligt_hus kitchen before reno\" width=\"1200\" height=\"675\" srcset=\"https:\/\/www.99.co\/singapore\/insider\/wp-content\/uploads\/2022\/12\/hyggligt_hus-kitchen-before-reno.jpg 1376w, https:\/\/www.99.co\/singapore\/insider\/wp-content\/uploads\/2022\/12\/hyggligt_hus-kitchen-before-reno-1200x675.jpg 1200w, https:\/\/www.99.co\/singapore\/insider\/wp-content\/uploads\/2022\/12\/hyggligt_hus-kitchen-before-reno-544x306.jpg 544w, https:\/\/www.99.co\/singapore\/insider\/wp-content\/uploads\/2022\/12\/hyggligt_hus-kitchen-before-reno-352x198.jpg 352w, https:\/\/www.99.co\/singapore\/insider\/wp-content\/uploads\/2022\/12\/hyggligt_hus-kitchen-before-reno-512x288.jpg 512w, https:\/\/www.99.co\/singapore\/insider\/wp-content\/uploads\/2022\/12\/hyggligt_hus-kitchen-before-reno-160x90.jpg 160w, https:\/\/www.99.co\/singapore\/insider\/wp-content\/uploads\/2022\/12\/hyggligt_hus-kitchen-before-reno-256x144.jpg 256w, https:\/\/www.99.co\/singapore\/insider\/wp-content\/uploads\/2022\/12\/hyggligt_hus-kitchen-before-reno-150x84.jpg 150w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" \/><\/a><figcaption id=\"caption-attachment-62190\" class=\"wp-caption-text\">The kitchen of the house before renovation. Image credit: J and C<\/figcaption><\/figure>\n<p>The couple recalled it was the fourth or fifth house that their buyer\u2019s agent brought them to view.<\/p>\n<p>\u201cWe had initially wanted to view around three to four estates in the Northeast. This was only our second estate and we fell in love with the space immediately! The rectangular layout of the house and the large living room and dining room, complete with a long and spacious balcony, attracted us.\u201d<\/p>\n<p>Although the house was probably not renovated extensively since the 1980s, the couple saw its potential for a simple, heartwarming house with lots of light.<\/p>\n<p>\u201cThe house presented itself to us, and we knew we didn&#8217;t have to do much work in terms of hacking to change the layout.\u201d<\/p>\n<figure id=\"attachment_62191\" aria-describedby=\"caption-attachment-62191\" style=\"width: 1200px\" class=\"wp-caption alignnone\"><a href=\"https:\/\/www.99.co\/singapore\/insider\/wp-content\/uploads\/2022\/12\/hyggligt_hus-living-room-before-reno.jpg\" class=\"img-link media-img img-link media-img\"><img decoding=\"async\" class=\"wp-image-62191\" src=\"https:\/\/www.99.co\/singapore\/insider\/wp-content\/uploads\/2022\/12\/hyggligt_hus-living-room-before-reno.jpg\" alt=\"hyggligt_hus living room before reno\" width=\"1200\" height=\"674\" srcset=\"https:\/\/www.99.co\/singapore\/insider\/wp-content\/uploads\/2022\/12\/hyggligt_hus-living-room-before-reno.jpg 2048w, https:\/\/www.99.co\/singapore\/insider\/wp-content\/uploads\/2022\/12\/hyggligt_hus-living-room-before-reno-1536x863.jpg 1536w, https:\/\/www.99.co\/singapore\/insider\/wp-content\/uploads\/2022\/12\/hyggligt_hus-living-room-before-reno-1200x675.jpg 1200w, https:\/\/www.99.co\/singapore\/insider\/wp-content\/uploads\/2022\/12\/hyggligt_hus-living-room-before-reno-544x306.jpg 544w, https:\/\/www.99.co\/singapore\/insider\/wp-content\/uploads\/2022\/12\/hyggligt_hus-living-room-before-reno-352x198.jpg 352w, https:\/\/www.99.co\/singapore\/insider\/wp-content\/uploads\/2022\/12\/hyggligt_hus-living-room-before-reno-512x288.jpg 512w, https:\/\/www.99.co\/singapore\/insider\/wp-content\/uploads\/2022\/12\/hyggligt_hus-living-room-before-reno-160x90.jpg 160w, https:\/\/www.99.co\/singapore\/insider\/wp-content\/uploads\/2022\/12\/hyggligt_hus-living-room-before-reno-256x144.jpg 256w, https:\/\/www.99.co\/singapore\/insider\/wp-content\/uploads\/2022\/12\/hyggligt_hus-living-room-before-reno-150x84.jpg 150w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" \/><\/a><figcaption id=\"caption-attachment-62191\" class=\"wp-caption-text\">The living room and balcony of the flat before renovation. Image credit: J and C<\/figcaption><\/figure>\n<h2>One of them had to \u2018educate\u2019 the other half on the reno scene in Singapore<\/h2>\n<p>Like many first-time homeowners, renovation wasn\u2019t something J and C, who work in the education and arts\/ heritage sectors, had previous experience with.<\/p>\n<p>In fact, the couple were among the first in their social circle to buy a house, as most of their peers were not married or waiting for their BTO. The couple, who document their homemaking journey on <a href=\"https:\/\/www.instagram.com\/hyggligt_hus\/\" target=\"_blank\" rel=\"noopener\">Instagram<\/a>, also recounted that the local home and renovation community on the platform wasn\u2019t as established at the time of their purchase.<\/p>\n<p>J and C even had a funny story about this. \u201cIn the Nordics, where wages are high and individuals usually have more free time outside work, <a href=\"https:\/\/www.99.co\/singapore\/insider\/hdb-renovation-guidelines\/\" target=\"_blank\" rel=\"noopener\">renovation<\/a> isn\u2019t something you would <a href=\"https:\/\/www.99.co\/singapore\/insider\/how-to-avoid-bad-apples-renovation\/\" target=\"_blank\" rel=\"noopener\">hire an interior design firm for<\/a>. It is usually a lot of contractor work and even DIY. So one of us had to first \u2018educate\u2019 the other about the renovation scene and market in Singapore, before we even embarked on anything!\u201d<\/p>\n<p>After ironing out their differences, the couple did their best and researched more on the renovation process. At the same time, they admitted that most of the knowledge was gained through the ongoing renovation process.<\/p>\n<p>\u201cLuckily, we both work quite well together and did not actually argue during the renovation process. We tapped on each other\u2019s strengths (one of us is more creative and imaginative, whilst the other understands technology, gadgets and measurements better).\u201d<\/p>\n<figure id=\"attachment_62192\" aria-describedby=\"caption-attachment-62192\" style=\"width: 1200px\" class=\"wp-caption alignnone\"><a href=\"https:\/\/www.99.co\/singapore\/insider\/wp-content\/uploads\/2022\/12\/hyggligt_hus-living-room.jpg\" class=\"img-link media-img img-link media-img\"><img decoding=\"async\" class=\"wp-image-62192\" src=\"https:\/\/www.99.co\/singapore\/insider\/wp-content\/uploads\/2022\/12\/hyggligt_hus-living-room.jpg\" alt=\"hyggligt_hus living room after reno\" width=\"1200\" height=\"900\" srcset=\"https:\/\/www.99.co\/singapore\/insider\/wp-content\/uploads\/2022\/12\/hyggligt_hus-living-room.jpg 4032w, https:\/\/www.99.co\/singapore\/insider\/wp-content\/uploads\/2022\/12\/hyggligt_hus-living-room-1536x1152.jpg 1536w, https:\/\/www.99.co\/singapore\/insider\/wp-content\/uploads\/2022\/12\/hyggligt_hus-living-room-2048x1536.jpg 2048w, https:\/\/www.99.co\/singapore\/insider\/wp-content\/uploads\/2022\/12\/hyggligt_hus-living-room-150x113.jpg 150w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" \/><\/a><figcaption id=\"caption-attachment-62192\" class=\"wp-caption-text\">The living room after renovation. Image credit: J and C<\/figcaption><\/figure>\n<h3>Here\u2019s a summary of their renovation process:<\/h3>\n<ol>\n<li><strong>Pre-renovation:<\/strong> The more creative and imaginative better half shortlisted two themes and presented the other half with a mood board (Nordic\/Japandi vs Mid-century + Wes Anderson Vintage chic). Based on online guides and Instagram accounts, J and C proceeded to <a href=\"https:\/\/www.99.co\/singapore\/insider\/how-to-plan-your-home-renovation-budget\/\" target=\"_blank\" rel=\"noopener\">calculate their budget<\/a>.<\/li>\n<li><strong>Shortlisting of interior design firm:<\/strong> The couple shortlisted their ID via Qanvast, which they found to be really helpful. They met three firms physically and one designer online and decided on a firm that they felt understood their artistic vision and was willing to work within their budget. Unfortunately, they did not sign the contract using Qanvast. As Qanvast provides insurance of some form, the couple suggests that new homeowners sign via the platform.<\/li>\n<li><strong>The initial stages of renovation:<\/strong> These were the most exciting stages for J and C, as they got to see what\u2019s inside their heads transform into mood boards, then the renderings. They worked with the ID quite well, as they could provide suggestions and get them worked on.<\/li>\n<li><strong>Renovation:<\/strong> Unfortunately, a few things went wrong during the renovation, and they weren\u2019t rectified. One of the most glaring mistakes was an exposed air-con condenser pipe in the master bathroom. (\u201cWe had to live with water dripping on the wet floor for nearly a year while we brainstormed for solutions!\u201d).<\/li>\n<\/ol>\n<p>J and C shared that the more experienced ID serving them in the initial ideation stage was no longer guiding, the more junior ID. The couple soon realised that while the junior ID was brilliant in design, he found it tough to project manage on the ground. As the more senior ID had suddenly left the company soon after the handover, the defects were not rectified.<\/p>\n<p>With that, the couple felt that one mistake they made was that they didn\u2019t request a specific designer.<\/p>\n<p>\u201cTherefore, we highly recommend homeowners check with the IDs on their experiences renovating the type of property you\u2019re owning and be really stringent in checking the sites.\u201d<\/p>\n<blockquote class=\"instagram-media\" style=\"background: #FFF; border: 0; border-radius: 3px; box-shadow: 0 0 1px 0 rgba(0,0,0,0.5),0 1px 10px 0 rgba(0,0,0,0.15); margin: 1px; max-width: 540px; min-width: 326px; padding: 0; width: calc(100% - 2px);\" data-instgrm-captioned=\"\" data-instgrm-permalink=\"https:\/\/www.instagram.com\/p\/CUhX9W8B0t-\/?utm_source=ig_embed&amp;utm_campaign=loading\" data-instgrm-version=\"14\">\n<div style=\"padding: 16px;\">\n<p>&nbsp;<\/p>\n<div style=\"display: flex; flex-direction: row; align-items: center;\">\n<div style=\"background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 40px; margin-right: 14px; width: 40px;\"><\/div>\n<div style=\"display: flex; flex-direction: column; flex-grow: 1; justify-content: center;\">\n<div style=\"background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 100px;\"><\/div>\n<div style=\"background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 60px;\"><\/div>\n<\/div>\n<\/div>\n<div style=\"padding: 19% 0;\"><\/div>\n<div style=\"display: block; height: 50px; margin: 0 auto 12px; width: 50px;\"><\/div>\n<div style=\"padding-top: 8px;\">\n<div style=\"color: #3897f0; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: 550; line-height: 18px;\">View this post on Instagram<\/div>\n<\/div>\n<div style=\"padding: 12.5% 0;\"><\/div>\n<div style=\"display: flex; flex-direction: row; margin-bottom: 14px; align-items: center;\">\n<div>\n<div style=\"background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(0px) translateY(7px);\"><\/div>\n<div style=\"background-color: #f4f4f4; height: 12.5px; transform: rotate(-45deg) translateX(3px) translateY(1px); width: 12.5px; flex-grow: 0; margin-right: 14px; margin-left: 2px;\"><\/div>\n<div style=\"background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(9px) translateY(-18px);\"><\/div>\n<\/div>\n<div style=\"margin-left: 8px;\">\n<div style=\"background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 20px; width: 20px;\"><\/div>\n<div style=\"width: 0; height: 0; border-top: 2px solid transparent; border-left: 6px solid #f4f4f4; border-bottom: 2px solid transparent; transform: translateX(16px) translateY(-4px) rotate(30deg);\"><\/div>\n<\/div>\n<div style=\"margin-left: auto;\">\n<div style=\"width: 0px; border-top: 8px solid #F4F4F4; border-right: 8px solid transparent; transform: translateY(16px);\"><\/div>\n<div style=\"background-color: #f4f4f4; flex-grow: 0; height: 12px; width: 16px; transform: translateY(-4px);\"><\/div>\n<div style=\"width: 0; height: 0; border-top: 8px solid #F4F4F4; border-left: 8px solid transparent; transform: translateY(-4px) translateX(8px);\"><\/div>\n<\/div>\n<\/div>\n<div style=\"display: flex; flex-direction: column; flex-grow: 1; justify-content: center; margin-bottom: 24px;\">\n<div style=\"background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 224px;\"><\/div>\n<div style=\"background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 144px;\"><\/div>\n<\/div>\n<p>&nbsp;<\/p>\n<p style=\"color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; line-height: 17px; margin-bottom: 0; margin-top: 8px; overflow: hidden; padding: 8px 0 7px; text-align: center; text-overflow: ellipsis; white-space: nowrap;\"><a style=\"color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: normal; line-height: 17px; text-decoration: none;\" href=\"https:\/\/www.instagram.com\/p\/CUhX9W8B0t-\/?utm_source=ig_embed&amp;utm_campaign=loading\" target=\"_blank\" rel=\"noopener\">A post shared by hygge.here (@hyggligt_hus)<\/a><\/p>\n<\/div>\n<\/blockquote>\n<p><script async src=\"\/\/www.instagram.com\/embed.js\"><\/script><\/p>\n<h2>Unlike homeowners in Singapore, Scandinavians tend not to carry out major renovations before moving in<\/h2>\n<p>Given the different cultural backgrounds of the couple, there are bound to be cultural differences in home-buying and living as well.<\/p>\n<p>One interesting difference J and C notice is that while buyers in Singapore usually want to start from an empty slate, people in Scandinavia generally move into their new home without carrying out major renovations.<\/p>\n<p>\u201cHouse-buyers will often reuse the previous owner\u2019s built-in furniture, plumbing and even white goods such as the washing machine and dishwasher. Then, as the years go by, people might decide to \u2018get a new kitchen\u2019 or \u2018lay a new floor\u2019.<\/p>\n<blockquote class=\"instagram-media\" style=\"background: #FFF; border: 0; border-radius: 3px; box-shadow: 0 0 1px 0 rgba(0,0,0,0.5),0 1px 10px 0 rgba(0,0,0,0.15); margin: 1px; max-width: 540px; min-width: 326px; padding: 0; width: calc(100% - 2px);\" data-instgrm-captioned=\"\" data-instgrm-permalink=\"https:\/\/www.instagram.com\/p\/CVrkmldPq3o\/?utm_source=ig_embed&amp;utm_campaign=loading\" data-instgrm-version=\"14\">\n<div style=\"padding: 16px;\">\n<p>&nbsp;<\/p>\n<div style=\"display: flex; flex-direction: row; align-items: center;\">\n<div style=\"background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 40px; margin-right: 14px; width: 40px;\"><\/div>\n<div style=\"display: flex; flex-direction: column; flex-grow: 1; justify-content: center;\">\n<div style=\"background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 100px;\"><\/div>\n<div style=\"background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 60px;\"><\/div>\n<\/div>\n<\/div>\n<div style=\"padding: 19% 0;\"><\/div>\n<div style=\"display: block; height: 50px; margin: 0 auto 12px; width: 50px;\"><\/div>\n<div style=\"padding-top: 8px;\">\n<div style=\"color: #3897f0; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: 550; line-height: 18px;\">View this post on Instagram<\/div>\n<\/div>\n<div style=\"padding: 12.5% 0;\"><\/div>\n<div style=\"display: flex; flex-direction: row; margin-bottom: 14px; align-items: center;\">\n<div>\n<div style=\"background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(0px) translateY(7px);\"><\/div>\n<div style=\"background-color: #f4f4f4; height: 12.5px; transform: rotate(-45deg) translateX(3px) translateY(1px); width: 12.5px; flex-grow: 0; margin-right: 14px; margin-left: 2px;\"><\/div>\n<div style=\"background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(9px) translateY(-18px);\"><\/div>\n<\/div>\n<div style=\"margin-left: 8px;\">\n<div style=\"background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 20px; width: 20px;\"><\/div>\n<div style=\"width: 0; height: 0; border-top: 2px solid transparent; border-left: 6px solid #f4f4f4; border-bottom: 2px solid transparent; transform: translateX(16px) translateY(-4px) rotate(30deg);\"><\/div>\n<\/div>\n<div style=\"margin-left: auto;\">\n<div style=\"width: 0px; border-top: 8px solid #F4F4F4; border-right: 8px solid transparent; transform: translateY(16px);\"><\/div>\n<div style=\"background-color: #f4f4f4; flex-grow: 0; height: 12px; width: 16px; transform: translateY(-4px);\"><\/div>\n<div style=\"width: 0; height: 0; border-top: 8px solid #F4F4F4; border-left: 8px solid transparent; transform: translateY(-4px) translateX(8px);\"><\/div>\n<\/div>\n<\/div>\n<div style=\"display: flex; flex-direction: column; flex-grow: 1; justify-content: center; margin-bottom: 24px;\">\n<div style=\"background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 224px;\"><\/div>\n<div style=\"background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 144px;\"><\/div>\n<\/div>\n<p>&nbsp;<\/p>\n<p style=\"color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; line-height: 17px; margin-bottom: 0; margin-top: 8px; overflow: hidden; padding: 8px 0 7px; text-align: center; text-overflow: ellipsis; white-space: nowrap;\"><a style=\"color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: normal; line-height: 17px; text-decoration: none;\" href=\"https:\/\/www.instagram.com\/p\/CVrkmldPq3o\/?utm_source=ig_embed&amp;utm_campaign=loading\" target=\"_blank\" rel=\"noopener\">A post shared by hygge.here (@hyggligt_hus)<\/a><\/p>\n<\/div>\n<\/blockquote>\n<p><script async src=\"\/\/www.instagram.com\/embed.js\"><\/script><\/p>\n<p>\u201cFor us, we ended up with an interesting compromise.\u201d<\/p>\n<p>While the couple did a complete renovation, they retained the existing doors and the old air-con.<\/p>\n<p>\u201cThe latter was a mistake, as we would have been able to route the condensate pipe to a drain and get new trunking done much easier.\u201d<\/p>\n<h2>Don\u2019t foresee themselves moving out so quickly<\/h2>\n<p>For now, it seems this HDB resale flat will be their forever home, as J and C (both of whom have since worked for around six years) are comfortable with it. It has plenty of space for them too, who live in it &#8220;with our imaginary pet cat&#8221;.<\/p>\n<p>\u201cAfter spending quite a bit of money, time and effort to move in, we hesitate to make a move so quickly. However, we might rent it out if we need to move overseas for our stints or family.\u201d<\/p>\n<h2>Insights for buying a resale HDB flat<\/h2>\n<p>One of the things J and C appreciated was having a <a href=\"https:\/\/www.99.co\/singapore\/insider\/property-agent-of-the-day-buyers-agent-sellers-agent\/\" target=\"_blank\" rel=\"noopener\">buyer\u2019s agent<\/a>, who gave them some advice and helped them filter out the viewings.<\/p>\n<p>\u201cWe also visited our shortlisted estates at different times of day to get a feel of the neighbourhood.\u201d<\/p>\n<p>As for the renovation process, the couple strongly recommends that buyers carefully <a href=\"https:\/\/www.99.co\/singapore\/insider\/how-to-save-resale-flat-renovations\/\" target=\"_blank\" rel=\"noopener\">consider what to keep and what to hack<\/a>, and get a good understanding of the existing state of the house.<\/p>\n<p>\u201cWe regret not changing the air-con and were also surprised to find that the previous owners had already done overlay tiles on top of the original floor, so we could have had a slightly higher ceiling if we had hacked the floor.\u201d<\/p>\n    <section id=\"portal-widget-tab-panel-6a5fb1e1cdd48\" class=\"portal-widget-tab-panel\">\n        <div class=\"swiper-container\" id=\"swiper-container-6a5fb1e1cdd48\">\n                        <div class=\"row-title-widget\">\n                <div class=\"portal-widget-carousel-title-left\"><h4 class=\"portal-widget-title\">HDB flats for sale in the North-East region <\/h4><\/div>\n                <div class=\"portal-widget-carousel-title-right text-right\"><span class=\"portal-widget-see-all-link link-top\"><a href=\"\" class=\"nndc-open-app-link\" data-url=\"https:\/\/www.99.co\/singapore\/sale\/hdb?isFilterUnapplied=false&amp;listing_type=sale&amp;main_category=hdb&amp;map_bounds=1.5827095153768858%2C103.49449749970108%2C1.1090706240313446%2C104.12483807587296&amp;need_change_bounds=true&amp;page_num=1&amp;page_size=35&amp;path=%2Fsingapore%2Fsale%2Fhdb&amp;property_segments=residential&amp;query_coords=1.3039947%2C103.8298507&amp;query_ids=htang_mo_kio%2Chthougang%2Chtpunggol%2Chtsengkang%2Chtserangoon&amp;query_limit=radius&amp;query_type=hdb_town&amp;radius_max=1000&amp;rental_type=unit&amp;show_cluster_preview=true&amp;show_description=true&amp;show_internal_linking=true&amp;show_meta_description=true&amp;show_nearby=true&amp;zoom=13&utm_source=blog&utm_medium=widget\">See all listings<\/a><\/span><\/div>\n            <\/div>\n                        <div class=\"portal-widget-carousel swiper-wrapper\">\n                                    <div class=\"portal-widget-carousel__card swiper-slide\">\n                                                <div class=\"card-image\">\n                            <img decoding=\"async\" src=\"https:\/\/pic2.99.co\/v3\/W4jEuQugGFz8xKGSPjtFQf?text=Colin+Tang&sampling=lanczos&version=1&height=600&width=800&mode=fill&quality=80&convert_if_png=true&signature=6201a5748771baf45af22e73c7cb2936713c3530\" alt=\"136 Serangoon North Avenue 2 Photo\">\n                        <\/div>\n                        <div class=\"card-description\">\n                            <div class=\"card-text card-title\">136 Serangoon North Avenue 2<\/div>\n                            <div class=\"card-text card-subtitle\">Singapore 550136 \u00b7 D19<\/div>\n                            <div class=\"card-text card-room\">\n                                <div >\n                                    <img decoding=\"async\" src=\"https:\/\/www.99.co\/singapore\/insider\/wp-content\/plugins\/nndc-portal\/public\/partials\/..\/images\/bed-icon.svg\" alt=\"bedroom\">\n                                    <span>4<\/span>\n                                <\/div>\n                                <div >\n                                    <img decoding=\"async\" src=\"https:\/\/www.99.co\/singapore\/insider\/wp-content\/plugins\/nndc-portal\/public\/partials\/..\/images\/bath-icon.svg\" alt=\"bathroom\">\n                                    <span>2<\/span>\n                                <\/div>\n                                <div >\n                                    <span>1,108 sqft<\/span>\n                                <\/div>\n                            <\/div>\n                            <div class=\"card-text card-price\">S$ 670,000<\/div>\n                        <\/div>\n                        <div class=\"card-button\">\n                            <button class=\"btn-view-listing nndc-open-app-link\" data-url=\"https:\/\/www.99.co\/singapore\/sale\/property\/136-serangoon-north-avenue-2-hdb-EDiR5JPbVSnVa2Z6XgHuuT?utm_source=blog&utm_medium=widget\">View this listing<\/button>\n                        <\/div>\n                    <\/div>\n                                    <div class=\"portal-widget-carousel__card swiper-slide\">\n                                                <div class=\"card-image\">\n                            <img decoding=\"async\" src=\"https:\/\/pic2.99.co\/v3\/SxWLbC8n9gNNhjvVsgpurB?text=Ida+Seto&sampling=lanczos&version=1&height=600&width=800&mode=fill&quality=80&convert_if_png=true&signature=5a7d4a9be2cf47165211e237883c917f6bb58827\" alt=\"313 Ang Mo Kio Avenue 3 Photo\">\n                        <\/div>\n                        <div class=\"card-description\">\n                            <div class=\"card-text card-title\">313 Ang Mo Kio Avenue 3<\/div>\n                            <div class=\"card-text card-subtitle\">Singapore 560313 \u00b7 D20<\/div>\n                            <div class=\"card-text card-room\">\n                                <div >\n                                    <img decoding=\"async\" src=\"https:\/\/www.99.co\/singapore\/insider\/wp-content\/plugins\/nndc-portal\/public\/partials\/..\/images\/bed-icon.svg\" alt=\"bedroom\">\n                                    <span>2<\/span>\n                                <\/div>\n                                <div >\n                                    <img decoding=\"async\" src=\"https:\/\/www.99.co\/singapore\/insider\/wp-content\/plugins\/nndc-portal\/public\/partials\/..\/images\/bath-icon.svg\" alt=\"bathroom\">\n                                    <span>2<\/span>\n                                <\/div>\n                                <div >\n                                    <span>786 sqft<\/span>\n                                <\/div>\n                            <\/div>\n                            <div class=\"card-text card-price\">S$ 430,000<\/div>\n                        <\/div>\n                        <div class=\"card-button\">\n                            <button class=\"btn-view-listing nndc-open-app-link\" data-url=\"https:\/\/www.99.co\/singapore\/sale\/property\/313-ang-mo-kio-avenue-3-hdb-ATUzQRrhF6jFiSzJstPK4A?utm_source=blog&utm_medium=widget\">View this listing<\/button>\n                        <\/div>\n                    <\/div>\n                                    <div class=\"portal-widget-carousel__card swiper-slide\">\n                                                <div class=\"card-image\">\n                            <img decoding=\"async\" src=\"https:\/\/pic2.99.co\/v3\/AzwHsscaqDYpa4WQf9tabW?text=Zhan+Lin&sampling=lanczos&version=1&height=600&width=800&mode=fill&quality=80&convert_if_png=true&signature=c60d2c4434b7e1d871c0f27c1ab26b87fccb8f2e\" alt=\"280A Sengkang East Avenue Photo\">\n                        <\/div>\n                        <div class=\"card-description\">\n                            <div class=\"card-text card-title\">280A Sengkang East Avenue<\/div>\n                            <div class=\"card-text card-subtitle\">Singapore 541280 \u00b7 D19<\/div>\n                            <div class=\"card-text card-room\">\n                                <div >\n                                    <img decoding=\"async\" src=\"https:\/\/www.99.co\/singapore\/insider\/wp-content\/plugins\/nndc-portal\/public\/partials\/..\/images\/bed-icon.svg\" alt=\"bedroom\">\n                                    <span>3<\/span>\n                                <\/div>\n                                <div >\n                                    <img decoding=\"async\" src=\"https:\/\/www.99.co\/singapore\/insider\/wp-content\/plugins\/nndc-portal\/public\/partials\/..\/images\/bath-icon.svg\" alt=\"bathroom\">\n                                    <span>2<\/span>\n                                <\/div>\n                                <div >\n                                    <span>1,205 sqft<\/span>\n                                <\/div>\n                            <\/div>\n                            <div class=\"card-text card-price\">S$ 1,080,000<\/div>\n                        <\/div>\n                        <div class=\"card-button\">\n                            <button class=\"btn-view-listing nndc-open-app-link\" data-url=\"https:\/\/www.99.co\/singapore\/sale\/property\/280a-sengkang-east-avenue-hdb-mynQDe9PkCH5nzsy2n53pL?utm_source=blog&utm_medium=widget\">View this listing<\/button>\n                        <\/div>\n                    <\/div>\n                                    <div class=\"portal-widget-carousel__card swiper-slide\">\n                                                <div class=\"card-image\">\n                            <img decoding=\"async\" src=\"https:\/\/pic2.99.co\/v3\/qJxouKqpwov4vN9Gae5SFG?text=Jackson+B.&sampling=lanczos&version=1&height=600&width=800&mode=fill&quality=80&convert_if_png=true&signature=30577bb0355e79988892931c62aaf02a58cc0c57\" alt=\"182 Edgefield Plains Photo\">\n                        <\/div>\n                        <div class=\"card-description\">\n                            <div class=\"card-text card-title\">182 Edgefield Plains<\/div>\n                            <div class=\"card-text card-subtitle\">Singapore 820182 \u00b7 D19<\/div>\n                            <div class=\"card-text card-room\">\n                                <div >\n                                    <img decoding=\"async\" src=\"https:\/\/www.99.co\/singapore\/insider\/wp-content\/plugins\/nndc-portal\/public\/partials\/..\/images\/bed-icon.svg\" alt=\"bedroom\">\n                                    <span>3<\/span>\n                                <\/div>\n                                <div >\n                                    <img decoding=\"async\" src=\"https:\/\/www.99.co\/singapore\/insider\/wp-content\/plugins\/nndc-portal\/public\/partials\/..\/images\/bath-icon.svg\" alt=\"bathroom\">\n                                    <span>2<\/span>\n                                <\/div>\n                                <div >\n                                    <span>1,378 sqft<\/span>\n                                <\/div>\n                            <\/div>\n                            <div class=\"card-text card-price\">S$ 819,000<\/div>\n                        <\/div>\n                        <div class=\"card-button\">\n                            <button class=\"btn-view-listing nndc-open-app-link\" data-url=\"https:\/\/www.99.co\/singapore\/sale\/property\/182-edgefield-plains-hdb-FCSRJjAmyKAV3gceW84PJV?utm_source=blog&utm_medium=widget\">View this listing<\/button>\n                        <\/div>\n                    <\/div>\n                                    <div class=\"portal-widget-carousel__card swiper-slide\">\n                                                <div class=\"card-image\">\n                            <img decoding=\"async\" src=\"https:\/\/pic2.99.co\/v3\/5kRXCpx7FYu5S3oJV9c8V5?text=Eric+Choy+82228903&sampling=lanczos&version=1&height=600&width=800&mode=fill&quality=80&convert_if_png=true&signature=8ef09918c9d4c1c40ebdcabbda1041df963c9662\" alt=\"310C Punggol Walk Photo\">\n                        <\/div>\n                        <div class=\"card-description\">\n                            <div class=\"card-text card-title\">310C Punggol Walk<\/div>\n                            <div class=\"card-text card-subtitle\">Singapore 823310 \u00b7 D19<\/div>\n                            <div class=\"card-text card-room\">\n                                <div >\n                                    <img decoding=\"async\" src=\"https:\/\/www.99.co\/singapore\/insider\/wp-content\/plugins\/nndc-portal\/public\/partials\/..\/images\/bed-icon.svg\" alt=\"bedroom\">\n                                    <span>3<\/span>\n                                <\/div>\n                                <div >\n                                    <img decoding=\"async\" src=\"https:\/\/www.99.co\/singapore\/insider\/wp-content\/plugins\/nndc-portal\/public\/partials\/..\/images\/bath-icon.svg\" alt=\"bathroom\">\n                                    <span>2<\/span>\n                                <\/div>\n                                <div >\n                                    <span>1,206 sqft<\/span>\n                                <\/div>\n                            <\/div>\n                            <div class=\"card-text card-price\">S$ 830,000<\/div>\n                        <\/div>\n                        <div class=\"card-button\">\n                            <button class=\"btn-view-listing nndc-open-app-link\" data-url=\"https:\/\/www.99.co\/singapore\/sale\/property\/310c-punggol-walk-hdb-NRBUop7cMb3E8KaTwiiJB7?utm_source=blog&utm_medium=widget\">View this listing<\/button>\n                        <\/div>\n                    <\/div>\n                                    <div class=\"portal-widget-carousel__card swiper-slide\">\n                                                <div class=\"card-image\">\n                            <img decoding=\"async\" src=\"https:\/\/pic2.99.co\/v3\/sUkuPWJiTXnYAVSJnKeV3m?text=Dennis+Lim&sampling=lanczos&version=1&height=600&width=800&mode=fill&quality=80&convert_if_png=true&signature=ba8841d926d866a2ac578b253202f698ac826cc7\" alt=\"403D Fernvale Lane Photo\">\n                        <\/div>\n                        <div class=\"card-description\">\n                            <div class=\"card-text card-title\">403D Fernvale Lane<\/div>\n                            <div class=\"card-text card-subtitle\">Singapore 794403 \u00b7 D28<\/div>\n                            <div class=\"card-text card-room\">\n                                <div >\n                                    <img decoding=\"async\" src=\"https:\/\/www.99.co\/singapore\/insider\/wp-content\/plugins\/nndc-portal\/public\/partials\/..\/images\/bed-icon.svg\" alt=\"bedroom\">\n                                    <span>3<\/span>\n                                <\/div>\n                                <div >\n                                    <img decoding=\"async\" src=\"https:\/\/www.99.co\/singapore\/insider\/wp-content\/plugins\/nndc-portal\/public\/partials\/..\/images\/bath-icon.svg\" alt=\"bathroom\">\n                                    <span>2<\/span>\n                                <\/div>\n                                <div >\n                                    <span>1,227 sqft<\/span>\n                                <\/div>\n                            <\/div>\n                            <div class=\"card-text card-price\">S$ 665,000<\/div>\n                        <\/div>\n                        <div class=\"card-button\">\n                            <button class=\"btn-view-listing nndc-open-app-link\" data-url=\"https:\/\/www.99.co\/singapore\/sale\/property\/403d-fernvale-lane-hdb-ZJac6YguW9X7wqvkbwVjKu?utm_source=blog&utm_medium=widget\">View this listing<\/button>\n                        <\/div>\n                    <\/div>\n                                    <div class=\"portal-widget-carousel__card swiper-slide\">\n                                                <div class=\"card-image\">\n                            <img decoding=\"async\" src=\"https:\/\/pic2.99.co\/v3\/Hft7Vd6sNV66Gi7UXkYW22?text=Pristine+Lim&sampling=lanczos&version=1&height=600&width=800&mode=fill&quality=80&convert_if_png=true&signature=449569d4a8b104e613dfc652080234aa0744d528\" alt=\"331A Anchorvale Street Photo\">\n                        <\/div>\n                        <div class=\"card-description\">\n                            <div class=\"card-text card-title\">331A Anchorvale Street<\/div>\n                            <div class=\"card-text card-subtitle\">Singapore 541331 \u00b7 D19<\/div>\n                            <div class=\"card-text card-room\">\n                                <div >\n                                    <img decoding=\"async\" src=\"https:\/\/www.99.co\/singapore\/insider\/wp-content\/plugins\/nndc-portal\/public\/partials\/..\/images\/bed-icon.svg\" alt=\"bedroom\">\n                                    <span>3<\/span>\n                                <\/div>\n                                <div >\n                                    <img decoding=\"async\" src=\"https:\/\/www.99.co\/singapore\/insider\/wp-content\/plugins\/nndc-portal\/public\/partials\/..\/images\/bath-icon.svg\" alt=\"bathroom\">\n                                    <span>2<\/span>\n                                <\/div>\n                                <div >\n                                    <span>1,001 sqft<\/span>\n                                <\/div>\n                            <\/div>\n                            <div class=\"card-text card-price\">S$ 748,888<\/div>\n                        <\/div>\n                        <div class=\"card-button\">\n                            <button class=\"btn-view-listing nndc-open-app-link\" data-url=\"https:\/\/www.99.co\/singapore\/sale\/property\/331a-anchorvale-street-hdb-b6qRFnrPyrm4ChEAiFpDH8?utm_source=blog&utm_medium=widget\">View this listing<\/button>\n                        <\/div>\n                    <\/div>\n                                    <div class=\"portal-widget-carousel__card swiper-slide\">\n                                                <div class=\"card-image\">\n                            <img decoding=\"async\" src=\"https:\/\/pic2.99.co\/v3\/ywS5tGCnRR6AVFESGyei9F?text=David+Zhang&sampling=lanczos&version=1&height=600&width=800&mode=fill&quality=80&convert_if_png=true&signature=d0e15a9917108522aa933d56e37fef6d9a451107\" alt=\"332B Anchorvale Link Photo\">\n                        <\/div>\n                        <div class=\"card-description\">\n                            <div class=\"card-text card-title\">332B Anchorvale Link<\/div>\n                            <div class=\"card-text card-subtitle\">Singapore 542332 \u00b7 D19<\/div>\n                            <div class=\"card-text card-room\">\n                                <div >\n                                    <img decoding=\"async\" src=\"https:\/\/www.99.co\/singapore\/insider\/wp-content\/plugins\/nndc-portal\/public\/partials\/..\/images\/bed-icon.svg\" alt=\"bedroom\">\n                                    <span>3<\/span>\n                                <\/div>\n                                <div >\n                                    <img decoding=\"async\" src=\"https:\/\/www.99.co\/singapore\/insider\/wp-content\/plugins\/nndc-portal\/public\/partials\/..\/images\/bath-icon.svg\" alt=\"bathroom\">\n                                    <span>2<\/span>\n                                <\/div>\n                                <div >\n                                    <span>1,206 sqft<\/span>\n                                <\/div>\n                            <\/div>\n                            <div class=\"card-text card-price\">S$ 810,000<\/div>\n                        <\/div>\n                        <div class=\"card-button\">\n                            <button class=\"btn-view-listing nndc-open-app-link\" data-url=\"https:\/\/www.99.co\/singapore\/sale\/property\/332b-anchorvale-link-hdb-2WbtYyZffjSXkMkBE7jHYG?utm_source=blog&utm_medium=widget\">View this listing<\/button>\n                        <\/div>\n                    <\/div>\n                                    <div class=\"portal-widget-carousel__card swiper-slide\">\n                                                <div class=\"card-image\">\n                            <img decoding=\"async\" src=\"https:\/\/pic2.99.co\/v3\/pmnesNdJdC28hUuMGSNmDn?text=Desmond+Lau&sampling=lanczos&version=1&height=600&width=800&mode=fill&quality=80&convert_if_png=true&signature=cadf29913544019ad51b7b5cf30c6d61e98f1b8b\" alt=\"169C Punggol Field Photo\">\n                        <\/div>\n                        <div class=\"card-description\">\n                            <div class=\"card-text card-title\">169C Punggol Field<\/div>\n                            <div class=\"card-text card-subtitle\">Singapore 823169 \u00b7 D19<\/div>\n                            <div class=\"card-text card-room\">\n                                <div >\n                                    <img decoding=\"async\" src=\"https:\/\/www.99.co\/singapore\/insider\/wp-content\/plugins\/nndc-portal\/public\/partials\/..\/images\/bed-icon.svg\" alt=\"bedroom\">\n                                    <span>3<\/span>\n                                <\/div>\n                                <div >\n                                    <img decoding=\"async\" src=\"https:\/\/www.99.co\/singapore\/insider\/wp-content\/plugins\/nndc-portal\/public\/partials\/..\/images\/bath-icon.svg\" alt=\"bathroom\">\n                                    <span>2<\/span>\n                                <\/div>\n                                <div >\n                                    <span>990 sqft<\/span>\n                                <\/div>\n                            <\/div>\n                            <div class=\"card-text card-price\">S$ 670,000<\/div>\n                        <\/div>\n                        <div class=\"card-button\">\n                            <button class=\"btn-view-listing nndc-open-app-link\" data-url=\"https:\/\/www.99.co\/singapore\/sale\/property\/169c-punggol-field-hdb-SBWLcx5bK3Ag7ye6VbZoQP?utm_source=blog&utm_medium=widget\">View this listing<\/button>\n                        <\/div>\n                    <\/div>\n                                    <div class=\"portal-widget-carousel__card swiper-slide\">\n                                                <div class=\"card-image\">\n                            <img decoding=\"async\" src=\"https:\/\/pic2.99.co\/v3\/iwAxyDJ3VskUNcBmc5ffCE?text=Ervine+Wu&sampling=lanczos&version=1&height=600&width=800&mode=fill&quality=80&convert_if_png=true&signature=d4ef17b141b84e2aec64495e401d105a4197a05e\" alt=\"293C Compassvale Crescent Photo\">\n                        <\/div>\n                        <div class=\"card-description\">\n                            <div class=\"card-text card-title\">293C Compassvale Crescent<\/div>\n                            <div class=\"card-text card-subtitle\">Singapore 543293 \u00b7 D19<\/div>\n                            <div class=\"card-text card-room\">\n                                <div >\n                                    <img decoding=\"async\" src=\"https:\/\/www.99.co\/singapore\/insider\/wp-content\/plugins\/nndc-portal\/public\/partials\/..\/images\/bed-icon.svg\" alt=\"bedroom\">\n                                    <span>3<\/span>\n                                <\/div>\n                                <div >\n                                    <img decoding=\"async\" src=\"https:\/\/www.99.co\/singapore\/insider\/wp-content\/plugins\/nndc-portal\/public\/partials\/..\/images\/bath-icon.svg\" alt=\"bathroom\">\n                                    <span>2<\/span>\n                                <\/div>\n                                <div >\n                                    <span>1,216 sqft<\/span>\n                                <\/div>\n                            <\/div>\n                            <div class=\"card-text card-price\">S$ 830,000<\/div>\n                        <\/div>\n                        <div class=\"card-button\">\n                            <button class=\"btn-view-listing nndc-open-app-link\" data-url=\"https:\/\/www.99.co\/singapore\/sale\/property\/293c-compassvale-crescent-hdb-V7Q8CohNeHVksBCeJZfet2?utm_source=blog&utm_medium=widget\">View this listing<\/button>\n                        <\/div>\n                    <\/div>\n                            <\/div>\n            <!-- Add Arrows -->\n            <div class=\"swiper-button-next\"><\/div>\n            <div class=\"swiper-button-prev\"><\/div>\n                    <\/div>\n    <\/section>\n\n<p>&nbsp;<\/p>\n<h2>Bought or sold a house recently? Let us know in the comments section below.<\/h2>\n<p>If you found this article helpful, 99.co recommends <a href=\"https:\/\/www.99.co\/singapore\/insider\/mother-of-3-executive-apartment-hougang-shares-purchasing-reno-decisions\/\" target=\"_blank\" rel=\"noopener\">Parents of 3 bought an Executive Apartment in Hougang and share purchasing and reno decisions<\/a> and <a href=\"https:\/\/www.99.co\/singapore\/insider\/couple-renovate-teck-whye-hdb-resale-reflect-personalities\/\" target=\"_blank\" rel=\"noopener\">Couple renovated their 4-room Teck Whye HDB resale flat to perfectly reflect their personalities<\/a>.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>As J and C neared their two-year rental contract, they had to decide whether to renew their rental or consider a more permanent housing option. The couple, now in their early thirties, were renting a condo after they married. \u201cWe wanted to explore how to live independently without our parents whilst exploring housing options. The&hellip;<\/p>\n","protected":false},"author":111,"featured_media":62189,"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":"no","_lmt_disable":"no","_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":[53631,53632,53589,53600,57131],"tags":[54909,55031,53644,57480,57481,53680],"persona":[57125],"class_list":{"2":"type-post","19":"entry","20":"has-post-thumbnail"},"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v25.7.1 (Yoast SEO v25.7) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Transnational couple shares cultural differences, including hiring a reno ID, in home-buying - 99.co<\/title>\n<meta name=\"description\" content=\"The couple shared that unlike homeowners in Singapore, Scandinavians tend not to carry out major renovations before moving in.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.99.co\/singapore\/insider\/transnational-couple-cultural-differences-home-buying\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Transnational couple shares cultural differences, including hiring a reno ID, in home-buying\" \/>\n<meta property=\"og:description\" content=\"The couple shared that unlike homeowners in Singapore, Scandinavians tend not to carry out major renovations before moving in.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.99.co\/singapore\/insider\/transnational-couple-cultural-differences-home-buying\/\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/99dotco\/\" \/>\n<meta property=\"article:published_time\" content=\"2022-12-02T03:46:13+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2022-12-14T02:59:53+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.99.co\/singapore\/insider\/wp-content\/uploads\/2022\/12\/hyggligt_hus-dining-area-e1669866771827.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1200\" \/>\n\t<meta property=\"og:image:height\" content=\"900\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Virginia Tanggono\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@99dotco\" \/>\n<meta name=\"twitter:site\" content=\"@99dotco\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Virginia Tanggono\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"10 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.99.co\/singapore\/insider\/transnational-couple-cultural-differences-home-buying\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.99.co\/singapore\/insider\/transnational-couple-cultural-differences-home-buying\/\"},\"author\":{\"name\":\"Virginia Tanggono\",\"@id\":\"https:\/\/www.99.co\/singapore\/insider\/#\/schema\/person\/0955a51981be4227cfc74bd63e9c428b\"},\"headline\":\"Transnational couple shares cultural differences, including hiring a reno ID, in home-buying\",\"datePublished\":\"2022-12-02T03:46:13+00:00\",\"dateModified\":\"2022-12-14T02:59:53+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.99.co\/singapore\/insider\/transnational-couple-cultural-differences-home-buying\/\"},\"wordCount\":2096,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/www.99.co\/singapore\/insider\/#organization\"},\"image\":{\"@id\":\"https:\/\/www.99.co\/singapore\/insider\/transnational-couple-cultural-differences-home-buying\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.99.co\/singapore\/insider\/wp-content\/uploads\/2022\/12\/hyggligt_hus-dining-area-e1669866771827.jpg\",\"keywords\":[\"can PRs buy HDB\",\"hdb renovation\",\"HDB resale\",\"japandi\",\"scandinavian design\",\"yahoosgfeed\"],\"articleSection\":[\"HDB\",\"HDB Stories &amp; 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