If you are on a tight budget, is it possible to only spend S$20,000 in Singapore, to move into a functional 4- room HDB flat? I use BTO as an example, as you start almost from scratch. I did an analysis, and this is what I found: 1. You have to opt for all the optional components offered by HDB, as this will be the cheapest option. It cost about $10,000 for flooring, internal doors and sanitary fittings, as well as the kitchen wall partition. So with that, it will drop our budget, leaving only $10,000. So is it really possible? 2. Lighting - Assuming the labour cost $1000 3. Window grilles - $1500 4. Queen bed with mattress - $1500 ......