We have exercised the OTP last week, paid the rest of the deposit, and successfully gotten ourselves in debt for the rest of our frickin' lives a bank loan from DBS. The package was not the cheapest in the market, but there'll be a cap no matter how the floating rate fluctuates. I've gotten a lawyer friend to act on my behalf for the purchase as well, and we're off to our first HDB appointment on 23rd November!

I did intensive research for house stuff via Google and Renotalk recently, and I've pretty much decided (without the husband's consultation, no less... haha) on having a Scandinavian-inspired theme for our house.















Basically it is kinda minimalist/modern... a good style for us who are not rich enough to do anything too fancy LOL. Anyway I like the clean lines and 'woody' feel.

Re-looked at IDs and contractors, and revised my shortlist...

1. Darren, Plush Living (because Joey is using this ID and she's quite happy so far!)
2. Henry, ID Note (good reviews!)
3. Roy Tan, IR Design (good reviews plus I have friend(s) who engaged him before)
4. Jimmy Tan, 3D Innovations (good reviews!)
5. Mr. K (good reviews, especially in Renotalk!)
6. A Home Story (like their works! reviews seem not bad too)
7. Mr Yeak, Basic Image & Design (reviews good too, and I need more contractor options!)
8. Mr Chong, Chng Png Guan Renovation (another contractor)
9. Artist Room (big maybe, afraid that they might be expensive)