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Right. So you&rsquo;ve got a new home and it needs some sprucing up. You&rsquo;ve got ideas turned into plans and everyone&rsquo;s ready to go. So, short of discovering you&rsquo;re heir to a mountain of gold, how are you going to pay for it all? Here are some ideas, starting from the least interest-laden to the most.&nbsp;<img src="https://s3-us-east-2.amazonaws.com/sixides-us/uploads%2F1655452268011-1655452268011.jpeg" class="fr-fil fr-dib" style="width: 100%;"> SavingsIf you&rsquo;re young, single and reading this, SAVE NOW! Forget the Guccis, Rolexes, and Ferraris. Cash is the single most accessible form of funding you have. Free of any interest, fees, or charges, you are beholden to no one when using cash. For the older, more responsible ones, you&rsquo;ll call these savings a.k.a. emergency funds. Short of a zombie apocalypse, this is what will bail you out of most financial trouble. Use only what you absolutely need and don&rsquo;t dry it all up. Because, y&rsquo;know, a renovation is technically not an emergency.&nbsp;&nbsp;<img src="https://s3-us-east-2.amazonaws.com/sixides-us/uploads%2F1655452268033-1655452268033.jpeg" class="fr-fil fr-dib" style="width: 100%;"> Taking a LoanSo you&rsquo;re plum out of cash and you can&rsquo;t sucker your family and friends to help you out. Loans are the next best thing, short of robbing a bank (no, just no). Here are your choices, in order or preference.<h1> </h1><h1>1. Home Renovation Loan</h1>This should be your first stop where loans are concerned. Interest rates come in at an affordable 5.3% to 6.2% annually with loan tenures ranging from 1 to 5 years. Banks are happy to hand out these loans even to folks with mediocre credit scores. Why? Because they keep track of everything you&rsquo;re spending it on. EVERYTHING.The downers are that renovation loans are capped at $30,000 or six months of your income, whichever is higher. Despite the fact that it&rsquo;s your loan, the money goes directly to your contractor AND it can&rsquo;t be used for accessories like furniture and curtains &ndash; that money needs to come out of your own pocket. Basically, it&rsquo;s like being a kid again with parents holding the purse-strings.<h1> </h1><h1>2. Personal Loan</h1>Second stop: personal loans. Pretty much when the renovation loans aren&rsquo;t enough. And they usually aren&rsquo;t (see: renovation loan cap). Can&rsquo;t get furniture and other accessories with that. However, with personal loans, you have more freedom with your spending.&nbsp;The downside? Higher interest rates. How high? Up to 10% per annum. If you take personal loans, be sure to have plans to climb the corporate ladder real fast!&nbsp;<h1> </h1><h1>3. Credit Card Loan</h1>Technically not a loan but you are still spending money you don&rsquo;t have with credit cards. That said, it&rsquo;s incredibly accessible money.&nbsp;There is a HUGE difference though. Pay your debt quickly before the next billing cycle or that 26% per annum interest will kick your debt up higher than the Burj Khalifa. It&rsquo;s risky so only use it for stuff you can pay off quickly.<h1> </h1><h1>4. Store Loan</h1>Provided by the store itself, these are pretty easy to get approvals for just so you can pick up that darling sofa you saw.&nbsp;That caveat? Easy approvals come with a price. Massive interest rates, some reaching up to 36%, put credit cards to shame and put you into the poorhouse if you&rsquo;re not careful.&nbsp;&nbsp;<img src="https://s3-us-east-2.amazonaws.com/sixides-us/uploads%2F1655452268058-1655452268058.jpeg" class="fr-fil fr-dib" style="width: 100%;"> Spend SmartCash is king so the saying goes. And there is truth to it. It&rsquo;s the least likely to become a debt you can&rsquo;t afford. However, if you don&#39;t have enough on hand and bribing friends and family to help doesn&rsquo;t work out, loans are your best bet. Just be mindful that loans have interest so aim to get one with the lowest ones first before progressing to other loan options. And no, robbing a bank ISN&rsquo;T an option.

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Match with up to 6 ID firms foryour reno needs

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Right. So you’ve got a new home and it needs some sprucing up. You’ve got ideas turned into plans and everyone’s ready to go. So, short of discovering you’re heir to a mountain of gold, how are you going to pay for it all? Here are some ideas, starting from the least interest-laden to the most.

6 Ways to Pay for Your Renovation

SIXiDES is an interior design tech and renovation platform that uses tech to change the way people renovate their homes. Conceived as a means to safeguard aspiring homeowners in realizing their space with ease and peace of mind. SIXiDES unique features provide an integrated solution that guides the users right from the very beginning till the end of the renovation journey.

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SIXiDES&nbsp;Asia announced its new partnership with Formica Group Asia at its Sustainable Course Roadshow. The partnership promises to drive the industry forward by bringing about new and exciting interior design-related content and events through Formica&rsquo;s offerings.&nbsp;<img src="https://s3-us-east-2.amazonaws.com/sixides-us/uploads%2F1658310765085-1658310765085.jpeg" class="fr-fil fr-dib" style="width: 100%;">Formica product sharing session&nbsp;<a href="https://www.sixides.com/vendors/brands/formica">Formica Group Asia</a>&nbsp;is a century-old brand with a rich history of providing only the highest quality in surfacing solutions for commercial and residential use. They had a sharing session where they talked about their key products and their sustainable products!&nbsp;<img border="0" src="https://s3-us-east-2.amazonaws.com/sixides-us/uploads%2F1658310765115-1658310765115.jpeg" class="fr-fil fr-dib" style="width: 100%;"><a href="https://sitlearn.singaporetech.edu.sg/" rel="noopener noreferrer" target="_blank">Singapore Institute of Technology</a>, Prof Mark Teo sharing about the course&nbsp;The purpose of the roadshow was to announce SIXiDES&rsquo; new &ldquo;Basic Level Sustainable and Healthy Interior Design Course for Singapore Residences&rdquo;. One of four present courses, this programme is offered in collaboration with Singapore Institute of Technology.&nbsp;The goal of the course and all future ones is to help elevate the nation&#39;s interior design industry to the benefit of home and business owners. Learn more about the course by clicking on this&nbsp;<a href="https://sitlearn.singaporetech.edu.sg/individualcourse/?title=Interior-Design-Course-for-Singapore-Residences---Sustainable-and-Healthy-Interiors-(Basic)&id=c4ce1fe1-f0e2-ec11-bb3c-002248177548&FD=true" rel="noopener noreferrer" target="_blank">link</a>!&nbsp;&nbsp;<img border="0" src="https://s3-us-east-2.amazonaws.com/sixides-us/uploads%2F1658310765143-1658310765143.jpeg" class="fr-fil fr-dib" style="width: 100%;">Winners of the DOTM award&nbsp;As part of the event, Formica and SIXiDES awarded outstanding designers of the industry who have been featured in their Designer of the Month (DOTM) articles. DOTM recognises designers, from architects to technical ones, who aren&rsquo;t just disciplined and consistent in work and value but demonstrate themselves to be someone who is passionate, relentless and inspirational.&nbsp;&nbsp;<iframe src="https://www.youtube.com/embed/4x6Rtwt-wMk?autoplay=1&mute=1&wmode=opaque&rel=0" frameborder="0" allowfullscreen="" class="fr-draggable" style="width: 100%; height: 40vw;">&nbsp;&nbsp;</iframe>Check out this video to see the highlights of the event!&nbsp;Check out this highlights video and relive the event with us! Our next event, Designers Gathering will happen on 29 July! Make sure to join us and have some fun!&nbsp;<img border="0" src="https://s3-us-east-2.amazonaws.com/sixides-us/uploads%2F1658310765243-1658310765242.jpeg" class="fr-fil fr-dib" style="width: 100%;">SIXiDES&nbsp;next upcoming event!&nbsp;Drop us an <a href="mailto:ask@sixides.com">email</a><a href="mailto:ask@sixides.com">&nbsp;</a>and express your interest. Limited seats available and we&#39;re half filled, so act fast! For more information Whatsapp us&nbsp;<a href="https://wa.link/3gfpcm" rel="noopener noreferrer" target="_blank">here</a>!&nbsp;

SIXiDES Asia announced its new partnership with Formica Group Asia at its Sustainable Course Roadshow. The partnership promises to drive the industry forward by bringing about new and exciting interior design-related content and events through Formica’s offerings.

SIXiDES Partners Formica at Sustainable Course Roadshow

SIXiDES Asia has partnered H&auml;fele Singapore and commemorated it with their first ever joint designers gathering. It was an opportunity for H&auml;fele Singapore to announce its new range of lighting and storage solutions.&nbsp;<img src="https://s3-us-east-2.amazonaws.com/sixides-us/uploads%2F1659597470545-1659597470545.jpeg" class="fr-fil fr-dib" style="width: 100%;">First ever Designers Gathering at&nbsp;<a href="https://www.sixides.com/vendors/brands/hafele" rel="noopener noreferrer" target="_blank">Hafele</a>&nbsp;H&auml;fele Singapore is a company that, as of this writing, is almost a century old, and has its roots in Germany. They are best known as a supplier of reliable and high-quality furniture fittings and hardware products.&nbsp;Their partnership with SIXiDES Asia represents their first ever collaboration with an online platform. The designers gathering was their first ever show of commitment since their partnership began just last month.&nbsp;<img border="0" src="https://s3-us-east-2.amazonaws.com/sixides-us/uploads%2F1659597470573-1659597470573.jpeg" class="fr-fil fr-dib" style="width: 100%;">Fun, food and drinks!&nbsp;&nbsp;&ldquo;This is not only a major milestone for the company but also testament of their vision and perseverance to quality and reliability,&rdquo; said Astley Ng, CEO of SIXiDES.&nbsp;&nbsp;<img border="0" src="https://s3-us-east-2.amazonaws.com/sixides-us/uploads%2F1659597470598-1659597470598.jpeg" class="fr-fil fr-dib" style="width: 100%;">Product competition organised by&nbsp;<a href="https://www.sixides.com/vendors/brands/hafele">Hafele</a>&nbsp;At the gathering, over 60 interior designers got an exclusive first look and training in the use of&nbsp;<a href="https://www.sixides.com/vendors/brands/hafele">H&auml;fele</a><a href="https://www.sixides.com/vendors/brands/hafele">&rsquo;s</a> newest lighting selection,&nbsp;<a href="https://www.hafele.com.sg/en/info/products/furniture-fittings/loox-led-lighting-systems/7469/" rel="noopener noreferrer" target="_blank">LOOX LED</a>, and storage range, Kosmo.&nbsp;<img border="0" src="https://s3-us-east-2.amazonaws.com/sixides-us/uploads%2F1659597470621-1659597470621.jpeg" class="fr-fil fr-dib" style="width: 100%;">Lucky draw winners get to bring home a Hafele knife set!&nbsp;&nbsp;In addition to the training, great prizes were up for grabs by designers present through competitions and lucky draws.&nbsp;SIXiDES also took the opportunity to share about&nbsp;<a href="https://www.sixides.com/equote">eQuote</a>&nbsp;and the Almanac and how it not only improves homeowners renovation experience, but also interior designers&rsquo; workflow with their customers.&nbsp;<iframe src="https://www.youtube.com/embed/O7sezbBfqTE?autoplay=1&mute=1&wmode=opaque&rel=0" frameborder="0" allowfullscreen="" class="fr-draggable" style="width: 100%; height: 40vw;">&nbsp;</iframe>Check out this video for the highlights of the event!&nbsp;&ldquo;SIXiDES is honoured and humbled to be partnering with H&auml;fele to expand product mindshare and connect designer communities through such events,&rdquo; said Astley.&nbsp;Stay tuned for our next Designers Gathering!&nbsp;

SIXiDES Asia has partnered Häfele Singapore and commemorated it with their first ever joint designers gathering. It was an opportunity for Häfele Singapore to announce its new range of lighting and storage solutions.

Häfele Singapore Partners SIXiDES Asia, Launches New Products

&nbsp;Designers Gathering opens new doors for fire and lock safety&nbsp;Sept 29, 2022 &ndash; Last Thursday marked the 3rd Designers Gathering by&nbsp;<a href="https://www.sixides.com/vendors/brands/hafele" style="box-sizing: border-box; border: 0px solid; color: inherit; text-decoration: inherit; user-select: auto;">H&auml;fele Singapore</a>, SIXiDES, and, newcomer to the regular gathering,&nbsp;<a href="https://www.sixides.com/vendors/brands/an-digital-lock" style="box-sizing: border-box; border: 0px solid; color: inherit; text-decoration: inherit; user-select: auto;">AN Digital Lock</a>.&nbsp;<img border="0" src="https://s3-us-east-2.amazonaws.com/sixides-us/uploads%2F1664853651144-1664853651144.jpeg" class="fr-fil fr-dib" style="width: 100%;"><h1 id="isPasted" style="box-sizing: border-box; border: 0px solid; font-size: inherit; font-weight: inherit; margin: 0px; color: rgb(65, 65, 65); font-family: sans-serif; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; letter-spacing: normal; orphans: 2; text-align: center; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;"><a href="https://www.sixides.com/vendors/brands/an-digital-lock" style="box-sizing: border-box; border: 0px solid; color: inherit; text-decoration: inherit; user-select: auto;">AN Digital Lock</a>&nbsp;giving a product sharing session on H&auml;fele Digital Locks</h1>&nbsp;<a href="https://www.sixides.com/vendors/brands/an-digital-lock" style="box-sizing: border-box; border: 0px solid; color: inherit; text-decoration: inherit; user-select: auto;">AN Digital Lock</a>&nbsp;is a Singaporean company that was established in 2013. They specialise in high-quality digital door locks, doors, and related products.&nbsp;Their expertise in this area was why they were brought in to train interior designers in the use of fire-rated doors and H&auml;fele digital door locks &mdash; an increasingly important topic in the&nbsp;<a href="https://www.sixides.com/articles/guide-choosing-an-interior-designer-in-singapore" target="_blank" rel="noopener noreferrer">interior design &amp; renovation</a>&nbsp;industry, especially for homeowners seeking safer and smarter spaces.&nbsp;<img border="0" src="https://s3-us-east-2.amazonaws.com/sixides-us/uploads%2F1664853651165-1664853651165.jpeg" class="fr-fil fr-dib" style="width: 100%;">Designers experiencing&nbsp;<a href="https://www.sixides.com/vendors/brands/hafele" style="box-sizing: border-box; border: 0px solid; color: inherit; text-decoration: inherit; user-select: auto;">H&auml;fele</a>&rsquo;s products and showroom&nbsp;The event was attended by many of the industry&rsquo;s young and bright creative talents, including designers who regularly work with homeowners looking for the <a href="https://www.sixides.com/articles/best-renovation-contractor-in-singapore" target="_blank" rel="noopener noreferrer">best renovation contractor in Singapore</a> to handle everything from kitchen upgrades to <a href="https://www.sixides.com/articles/hdb-living-room-unleashing-the-charm-of-singaporean-lifestyles" target="_blank" rel="noopener noreferrer">living room design Singapore</a> families typically request.&nbsp;Some of these talents also got to walk away with&nbsp;<a href="https://www.sixides.com/vendors/brands/hafele" id="isPasted" style="box-sizing: border-box; border: 0px solid; color: inherit; text-decoration: inherit; user-select: auto; font-family: Roboto, ui-sans-serif, system-ui; font-size: 16px; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: 400; letter-spacing: normal; orphans: 2; text-align: center; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255);">H&auml;fele</a>&nbsp;branded knife sets.&nbsp;<img border="0" src="https://s3-us-east-2.amazonaws.com/sixides-us/uploads%2F1664853651188-1664853651188.jpeg" class="fr-fil fr-dib" style="width: 100%;">&nbsp;SITLearn sharing about the upcoming Design for Interiors course&nbsp;SIXiDES and SITLearn also took the opportunity to share about a new Interior Design Course which would be subsidised by the government. Interested participants click&nbsp;<a href="https://sitlearn.singaporetech.edu.sg/individualcourse/?title=Interior-Design-Course-for-Singapore-Residences---Design-for-Interiors-(Basic)&id=d2ef6123-0429-ed11-9db1-002248165a3b&FD=true" rel="noopener noreferrer" target="_blank">here</a>!&nbsp;&nbsp;<img border="0" src="https://s3-us-east-2.amazonaws.com/sixides-us/uploads%2F1664853651207-1664853651207.jpeg" class="fr-fil fr-dib" style="width: 100%;">&nbsp;Live chef in action!&nbsp;The event ended with a live cook show in H&auml;fele&rsquo;s newly renovated showroom kitchen. Participants got to sample all the dishes that were prepared that day using&nbsp;<a href="https://www.sixides.com/vendors/brands/hafele" id="isPasted" style="box-sizing: border-box; border: 0px solid; color: inherit; text-decoration: inherit; user-select: auto; font-family: Roboto, ui-sans-serif, system-ui; font-size: 16px; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: 400; letter-spacing: normal; orphans: 2; text-align: center; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255);">H&auml;fele</a>&rsquo;s cooking appliances.&nbsp; <iframe src="https://www.youtube.com/embed/BSFuCrygmUQ?autoplay=1&mute=1&wmode=opaque&rel=0" frameborder="0" allowfullscreen="" class="fr-draggable" style="width: 100%; height: 50vw;">&nbsp;&nbsp;&nbsp;&nbsp;</iframe>Check out the video of the event!

Designers Gathering opens new doors for fire and lock safety

Häfele Singapore and SIXiDES Collaborates With AN Digital Lock at Third Interior Design Event

SIXiDES announced and debuted a new symposium known as SIX+ at the latest Designers Gathering that it runs with&nbsp; <a href="https://www.sixides.com/vendors/brands/hafele">H&auml;fele</a>&nbsp;Singapore monthly.&nbsp;SIX+ will serve as a platform for industry leaders in interior design and architecture to come in and share their expertise and experience in the field&mdash; a valuable resource for&nbsp;<a href="https://www.sixides.com/professionals/interior-designers" target="_blank" rel="noopener noreferrer">interior design firms</a>&nbsp;striving to stay ahead in design trends, materials, and project execution in Singapore&rsquo;s competitive&nbsp;<a href="https://www.sixides.com/articles/guide-to-all-interior-design-renovation-verification-and-accreditation-schemes-in-singapore" target="_blank" rel="noopener noreferrer">interior design &amp; renovation</a>&nbsp;landscape.&nbsp;The first ever symposium kicked off with storytelling in design and the tools they used to develop them, with Melvin Keng from Kaizen Architecture and Dennis Cheok from UPSTRS_ spearheading the event. <img src="https://s3-us-east-2.amazonaws.com/sixides-us/uploads%2F1667889100790-1667889100790.jpeg" class="fr-fil fr-dib" style="width: 100%;">Photo: Melvin Keng from&nbsp;<a href="https://www.sixides.com/professionals/interior-designers/kaizen-architecture">Kaizen Architecture</a>&nbsp;&nbsp;In addition, Melvin talked about materiality and hardware using his own home as an example. Dennis shared his ideas on materials, their history, and tactile qualities &mdash; insights especially useful for designers navigating client concerns about durability, safety, and even <a href="https://www.sixides.com/articles/guide-to-all-interior-design-renovation-verification-and-accreditation-schemes-in-singapore" target="_blank" rel="noopener noreferrer">C</a><a href="https://www.sixides.com/articles/guide-to-all-interior-design-renovation-verification-and-accreditation-schemes-in-singapore" target="_blank" rel="noopener noreferrer">aseTrust renovation</a> standards.&nbsp;&nbsp;<img src="https://s3-us-east-2.amazonaws.com/sixides-us/uploads%2F1667889100821-1667889100821.jpeg" class="fr-fil fr-dib" style="width: 100%;">Photo: Dennis Cheok from UPSTRS_&nbsp;&nbsp;SIX+ was conceptualised as an intimate and interactive place for all designers, aspiring or veterans, to get together to learn, share, and be inspired.&nbsp;&nbsp;<img src="https://s3-us-east-2.amazonaws.com/sixides-us/uploads%2F1667889100852-1667889100852.jpeg" class="fr-fil fr-dib" style="width: 100%;">Photo: Enjoying a couple of beers and food with our aspiring designers!&nbsp;&ldquo;We intend to run more of SIX+ around Singapore, travelling to visit the many showrooms around the country, bridging the gap between merchants and designers,&rdquo; said Astley, CEO of SIXiDES.<iframe src="https://www.youtube.com/embed/Kg2LmZdbeT8?autoplay=1&mute=1&wmode=opaque&rel=0" frameborder="0" allowfullscreen="" class="fr-draggable" style="width: 100%; height: 50vw;">&nbsp;</iframe>Check out the video!

SIXiDES announced and debuted a new symposium known as SIX+ at the latest Designers Gathering that it runs with Häfele Singapore monthly.

6 Ways to Pay for Your Renovation

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