What Is The Home Improvement Programme (HIP) Scheme In Singapore & How Much Is It?

Key Takeaways

Singapore’s Home Improvement Programme (HIP) enhances older HDB flats’ functionality and safety. Essential works are fully subsidized, while optional upgrades and elderly-friendly EASE improvements require minimal co-payment, scaled by flat type. Renovations typically take 10 working days per flat. Residents must prepare and may temporarily relocate during works. Financial support is available for non-HIP renovations.

Imagine unlocking the full potential of your HDB flat with a makeover that not only rejuvenates its appearance but also enhances its functionality and safety.Well, that’s what is the Home Improvement Programme (HIP) in Singapore – a transformative initiative designed to breathe new life into older flats.Since its introduction in 2007, HIP has been the cornerstone of Singapore’s commitment to providing residents with a living space that not only meets the demands of modern life but also preserves the warmth and comfort of home.In this blog, we’ll dive deep into what HIP truly offers, unravelling the nuts and bolts of the scheme, its costs, and how much you can expect to invest.Whether you’re curious about eligibility, eager to understand the range of improvements available, or simply looking to have a walk through of the process, you’re in the right place. Read on as we explore how HIP can transform your home.Table of Contents

What Is the Home Improvement Programme (HIP)?

The Home Improvement Programme (HIP) is a government initiative designed to address the maintenance needs of ageing HDB flats in Singapore. It aims to enhance the living environment and ensure the structural safety of homes that are reaching the 30-year mark.The programme is a reflection of the Singaporean government’s commitment to the welfare and satisfaction of its public housing residents, offering a path to rejuvenate older flats and adapt them to current living standards.But who is this programme for?Well, eligibility for HIP is determined by the Housing Development Board (HDB). Initially, they only considered flats built up to 1986. However, the HIP was extended to 1997 in August 2018.Still, there is a careful assessment of the building’s age and condition, ensuring that those most in need of upgrades are prioritised.However, this doesn’t mean that all eligible flats will be renovated.Residents play a crucial role in this process; a block is selected for HIP only if 75% of its eligible residents vote in favour of undergoing the renovation works. And remember, only Singapore citizens can vote, not permanent residents.But what does the HDP Home Improvement Programme include?Let’s find out.

What’s Included In The Home Improvement Program?

HIP has three components, namely, Essential, Optional, and Enhancement for Active Seniors (EASE) Improvements.Should your block collectively decide in support of the HIP, you’ll benefit from Essential Improvements crucial for public health and safety. Additionally, you’ll have the option to choose from Optional and EASE enhancements.Here is what these categories include:

• Essential works target critical maintenance issues that could affect the building’s integrity and residents’ safety. These include repairs to spalling concrete, pipe replacements, and the upgrading of electrical systems.
• Optional works allow residents to choose additional upgrades, such as the installation of new bathroom fittings, doors, and window grilles, according to their preferences and needs.

Since these are options, you are free to choose any of these improvements and pay for your share of the activities carried out in your flat.But remember, your flat will have to pass strict tests and inspections for some of the optional upgrade works.Then, there’s the third HIP component: EASE Improvements.EASE is designed with the well-being of elderly residents in mind, offering essential modifications that significantly enhance the safety and comfort of their living spaces. The programme allows for the following modifications, which can be selected based on individual needs:

• Slip-resistant Treatment for Floors: Focuses on reducing the risk of slips and falls by applying a slip-resistant coating to the floor tiles of up to two toilets or bathrooms.
• Grab Bars: Aids mobility and stability by installing grab bars in two toilets or bathrooms. Residents can choose between white or reddish-brown bars.
• Ramps: To facilitate easier movement around the flat and to accommodate level differences, ramps can be installed within the flat and at the main entrance, where technically feasible. The type of ramp—be it a single-step ramp, portable ramp, or customised ramp for multi-step entrances—is determined based on technical feasibility and space constraints, ensuring that the solution fits the specific requirements of each home.

Remember that all kinds of renovation and upgrades are going to need some time.

How long do these renovation works take?

The Home Improvement Programme (HIP) unfolds in stages, with a typical precinct of 8 to 10 blocks completing the process in about 1.5 to 2 years. For individual flats, the renovation work is more succinct, requiring 10 working days or fewer.The exact duration within each flat largely depends on the specific improvements selected by the homeowner.Also, these renovations and upgrades come at a cost. How much do you pay for HIP? Let’s find out.

What Are The Costs Involved In HIP?

The Singaporean government offers substantial subsidies for both essential and optional works under HIP, ensuring that the financial burden on residents is minimised. The subsidy rate varies depending on the type of flat and the works selected, embodying a tiered approach that aligns with the principle of equity.

• Essential Works: Fully funded by the government, these critical repairs and upgrades come at no cost to residents. Yes, they’re free.
• Optional Works: Residents opting for additional enhancements can benefit from government subsidies that cover a significant portion of the costs. The resident’s co-payment is scaled according to the flat type, ensuring affordability across different income levels.

The following are the cost-sharing ratios for optional works for different flat types:

• Up to Three-Room Flats: Residents pay 5% of the cost for optional works.
• Four-Room Flats: The contribution increases to 7.5%.
• Five-Room and Executive Flats: Contributions are capped at 10% and 12.5%, respectively.

For EASE Improvements, there are fixed costs to be paid as per the following schedule:

EASE Package Type	2-Room Flat	3-Room Flat	4-Room Flat	5-Room & Executive Flat
Full EASE package with single-step ramp	$125	$187.50	$250	$312.50
Full EASE package with portable ramp	$147	$220.50	$294	$367.50
Full EASE package with customized ramp	$192	$288	$384	$480

Remember, EASE upgrades are highly subsidised, with minimal out-of-pocket costs for eligible residents.Tackling the financial aspects of home improvements or personal projects can be challenging, but 1AP Capital is here to make it easier. We offer the support you need to realise your plans, even if you’re not covered by the Home Improvement Programme (HIP). Whether it’s renovations or enhancements outside HIP’s scope, our customised loan solutions are designed to help you achieve your dreams without the stress of financial constraints. Don’t let funding obstacles stand in your way. Explore your personal loan options with 1AP Capital today and take the next step with confidence.

How To Prepare Yourself For HIP?

Starting your journey with the Home Improvement Programme (HIP) is an exciting opportunity to give your HDB flat a functional facelift and a splash of beauty. But, getting ready for it is crucial to make sure your stuff doesn’t get damaged or lost during the process.Here’s how residents can prep for the HIP adventure:

• Secure Valuables and Fragile Items: Start by packing away valuables, fragile items, and personal documents. Use this opportunity to declutter and organise.
• Protect Furniture and Electronics: Cover furniture and electronics with protective sheets to shield them from dust and debris. Consider temporarily relocating larger items if possible.
• Seal Off Non-Work Areas: Use plastic sheeting to seal doorways into areas not undergoing renovation. This minimises dust spread and maintains a cleaner living environment.

Then there’s the question of how you will manage your daily routine with the ongoing works in your flat, including your bathroom.

Where To Reside During Renovations?

The extent of HIP works might necessitate temporary relocation to ensure your family’s comfort and safety. Here are a few options:

Staying with Family or Friends

Leveraging your support network by staying with relatives or friends can provide a comfortable and cost-effective solution during the renovation period.

Short-Term Rentals

Exploring short-term rental options such as serviced apartments or Airbnbs offers a home-away-from-home experience, though it’s important to budget for this additional cost.Important: One flat resident has to stay behind during renovation works.

Transforming Your Space Beyond HIP

As we wrap up our exploration of the Home Improvement Programme (HIP), it’s clear that it offers incredible value to many HDB residents, enhancing their living spaces significantly. However, we recognise that not everyone qualifies for this scheme, yet the desire to renovate and rejuvenate one’s home knows no bounds. This is where 1AP Capital steps in.Understanding the diverse needs of homeowners, 1AP Capital extends its expertise in personal loans to those looking to transform their homes outside the HIP framework. Whether you’re eyeing a modern makeover or essential repairs that fall outside HIP eligibility, our tailored loan solutions are here.