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Cafes in Singapore sorted by location.

To facilitate my cafe-hunting adventures with the missus, I’ve consolidated the names and addresses of existing cafes in Singapore and created an easily-accessible directory of cafes in Singapore grouped by locality. So thanks to referencing excellent food websites like ladyironchef and burpple, I am able to share this categorised list with you. Do let me know if there are any cafes I should be including or excluding. Hope you find this helpful! (:

Cafe

A cuppa mocha for life’s 摩擦…

Holland Village/Buona Vista

  1. Jimmy Monkey Cafe @ 9 one-north Gateway #01-51 (one-north residences) | C/D/F/$6-$18/$5
  2. Revolution Coffee @ 21 Media Circle #01-03A | CD
  3. Artisan Boulangerie @ 9 North Buona Vista Drive #01-12 (The Metropolis)
  4. Jamaica Blue @ 1 Vista Exchange Green #01-32 (The Star Vista) | CDF
  5. 93°C Bean & Leaf @ 8 Lorong Mambong | CD
  6. MU Parlour @ 16A Lorong Mambong
  7. Craft Bakery & Cafe @ 24A Lorong Mambong | CDF
  8. Hatched @ 267 Holland Avenue | CDF
  9. d’ Good Cafe @ 273 Holland Avenue | CDF
  10. Foster English Rose Cafe @ 277 Holland Avenue | CDF
  11. Park Cafe Bar @ 281 Holland Avenue #01-01
  12. Shebrews Cafe @ 365 Commonwealth Avenue (Queenstown Community Centre)
  13. Artease @ 500 Dover Road (Singapore Polytechnic Teaching Block 19)

Dempsey/Tanglin

  1. Roadhouse @ 13 Dempsey Road #01-07
  2. Jones the Grocer @ 12 Dempsey Road | CDF
  3. PS Cafe @ 28B Harding Road
  4. The Dempsey Brasserie @ Blk 7 Dempsey Road #01-03
  5. The White Rabbit @ 39C Harding Road
  6. Barracks Cafe House Dempsey @ 8D Dempsey Road #01-01 to 06
  7. House Dempsey @ 8D Dempsey Road #01-01 to 06
  8. Food For Thought Cafe @ 1 Cluny Road #B1-00 (Singapore Botanic Gardens)
  9. Assembly Coffee @ 26 Evans Road (Evans Lodge)
  10. Hatched @ 26 Evans Road #01-06 (Evans Lodge)
  11. Nassim Hill Bakery & Bistro @ 56 Tanglin Road (Tanglin Post Office)
  12. Spruce @ 320 Tanglin Road (Phoenix Park)

Bukit Timah/Dunearn

  1. Relish @ 501 Bukit Timah Road #02-01 (Cluny Court)
  2. Simply Bread @ 501 Bukit Timah Road #02-01 (Cluny Court) | CF
  3. Choupinette @ 607 Bukit Timah Road #01-01
  4. The Missing Pan @ 619D Bukit Timah Road #01/02-01 (Coronation Plaza)
  5. The Living Cafe @ 779 Bukit Timah Road
  6. Little Diner @ 789 Bukit Timah Road
  7. Vicky’s Cakes & The Coffee Shack @ 833 Bukit Timah Road #01-07 (Royaville)
  8. Simply Bread @ 1 Fifth Avenue #01-03 (Guthrie House) | CF
  9. Baker & Cook @ 77 Hillcrest Road
  10. Dutch Colony Coffee Co @ 200 Turf Club Road Stall #67-68 (The Grandstand)
  11. Riders Cafe @ 51 Fairways Drive (Bukit Timah Saddle Club)
  12. Marmalade Pantry @ 55 Fairways Drive

Upper Bukit Timah/West

  1. Lynn’s Cake & Coffee @ 11 Eng Kong Terrace
  2. Necessary Provisions Cafe @ 21 Eng Kong Terrace
  3. Carpenter & Cook @ 19 Lorong Kilat #01-06
  4. Nook DIY House of Pancakes @ 21 Lorong Kilat #01-03
  5. Spruce @ 274 Upper Bukit Timah Road
  6. W.39 Bistro @ Jalan Mas Puteh
  7. Cupplets @ 535 Clementi Road (Ngee Ann Polytechnic Block 16)
  8. Paris Baguette Cafe @ 50 Jurong Gateway Road #02-20 (JEM)
  9. Humble Origins @ Kent Ridge Drive (NUS FASS, next to LT12)
  10. Artease @ 14 Nanyang Drive (NTU School of Humanities)
Tiong Bahru
  1. The Orange Thimble @ 56 Eng Hoon Street #01-68
  2. Caffe Pralet @ 17 Eng Hoon Street #01-03/04 (Eng Hoon Mansions)
  3. Drips Bakery Cafe @ 82 Tiong Poh Road #01-05
  4. Flock Cafe @ 78 Moh Guan Terrace #01-25
  5. Forty Hands @ 78 Yong Siak Street #01-12
  6. Open Door Policy @ 19 Yong Siak Street
  7. PoTeaTo @ 78 Yong Siak Street
  8. Tiong Bahru Bakery @ 56 Eng Hoon Street #01-70
  9. The Dispensary @ 69 Tiong Bahru Road
  10. The Providore Warehouse @ 315 Outram Road 05-03 (Tan Boon Liat Building)

Bukit Merah

  1. Workshop @ 121 Bukit Merah Lane 1 #01-06
  2. Pan Delights @ 161 Bukit Merah Central, #01-3725
  3. The Bakery Chef @ 161 Bukit Merah Central #01-3711
  4. Butterscotch Cafe @ 164 Bukit Merah Central #01-3625
  5. Artisan Boulangerie @ 1 Kim Seng Promenade #01-23 (Great World City)

Everton Park/Kampong Bahru

  1. OKB @ 1 Kampong Bahru Rd
  2. Strangers’ Reunion @ 37 Kampong Bahru Road
  3. Highlander Coffee @ 49 Kampong Bahru Road
  4. Just Want Coffee @ 1 Everton Park
  5. Audacious Cakery @ 2 Everton Park #01-61
  6. Grin Affair @ 3 Everton Park #01-77A
  7. The Provision Shop @ 3 Everton Park #01-79
  8. Nylon Coffee Roasters @ 4 Everton Park #01-40
  9. Cozy Coffee Corner @ 4 Everton Park #01-50
  10. Mapleloft Cafe @ 101 Cantonment Road #01-02 (Tanjong Pagar Community Club)

Chinatown/Outram/Clarke Quay

  1. Oriole Coffee Roasters @ 10 Jiak Chuan Road
  2. The Reading Room @ 19 Bukit Pasoh Road
  3. Selfish Gene Cafe @ 40 Craig Road
  4. The Plain @ 50 Craig Road
  5. Department of Caffeine @ 15 Duxton Road
  6. Group Therapy Cafe @ 49 Duxton Road
  7. Flor Patisserie @ 2 Duxton Hill #01-01
  8. Bistro Soori @ 2 Teck Lim Road
  9. Glück Bistro Express @ 26 Teck Lim Road
  10. Antoniette @ 33 Erskine Road #01-02/03 (Scarlet Hotel)
  11. The Loft Cafe @ 268A South Bridge Road
  12. Coffee Tea & Company @ 133 New Bridge Road #B1-44 (Chinatown Point)
  13. RONIN @ 17 Hong Kong Street

Tanjong Pagar

  1. Cafe Gavroche @ 69 Tras Street
  2. Kiasu Espresso @ 100 Tras Street #01-03/04 (100 AM)
  3. Okada Coffee @ 100 Tras Street #03-23 (100 AM)
  4. Cake Spade @ 1 Tras Link #01-06 (Orchid Hotel)
  5. SPRMRKT @ 2 McCallum Street
  6. 6oz Espresso Bar @ 20 McCallum Street #01-K1 (Tokio Marine Centre)
  7. PS Cafe @ 45 Ann Siang Road #02-02
  8. Quarter to Three @ 88 Tanjong Pagar Road
  9. Drury Lane Cafe @ 94 Tanjong Pagar Road
  10. ReStore Cafe @ 124 Tanjong Pagar Road
  11. Artease @ 1 Tanjong Pagar Plaza #01-35

Raffles Place

  1. Jamaica Blue @ 1 Raffles Place #01-62 (One Raffles Place Tower 2)
  2. Club Street Social @ 5 Gemmill Lane
  3. Shots Cafe @ 90 Club Street
  4. The Muffinry @ 112 Telok Ayer Street
  5. Sarnies Cafe @ 136 Telok Ayer Street
  6. Sophie Bakery @ 167 Telok Ayer Street
  7. Coffeesmith @ 62 Collyer Quay #02-11
  8. Jewel Coffee @ 1 Shenton Way #01-07
  9. 8 Stanley Street @ 8 Stanley Street
  10. Bar Bar Black Sheep @ 55 Boat Quay
  11. Artisan Boulangerie @ 12 Marina View #01-02 (Asia Square Tower 2)
  12. Artease @ 3 Phillip Street #01-01
River Valley
  1. The Book Cafe @ 20 Martin Road #01-02 (Seng Kee Building)
  2. Baker & Cook @ 38A Martin Road #01-01
  3. Common Man Coffee Roasters @ 22 Martin Road #01-00
  4. Laurent’s Cafe & Chocolate Bar @ 80 Mohammad Sultan Road #01-11
  5. Kith Cafe @ 7 Rodyk Street #01-28
  6. Toby’s Estate @ 8 Rodyk Street #01-03/04
  7. eM by the River @ 1 Nanson Road #01-05 (The Gallery Hotel)
  8. Hummerstons @ 11 Unity Street #02-14 (Robertson Walk)
  9. The Fabulous Baker Boy @ 70 River Valley Road #01-15 (The Foothills)
  10. Five and Dime @ 297 River Valley Road
  11. Swirl Art Cafe @ 417 River Valley Road
  12. Croute @ 491 River Valley Road

Robertson Quay

  1. Epicurious Cafe @ 60 Robertson Quay #01-02
  2. Smitten Cafe @ 60 Robertson Quay #01-11
  3. Boomarang @ 60 Robertson Quay #01-15
  4. Anthesis @ 86 Robertson Quay #01-01
  5. The Merry Men @ 86 Robertson Quay #01-02
  6. Bar Bar Black Sheep @ 86 Robertson Quay #01-04
South
  1. Kith Cafe @ 31 Ocean Way Quayside Isle #01-08 (Sentosa Cove)
  2. Artisan Boulangerie @ 1 Harbourfront Walk #01-163/164 (Vivo City)
  3. Prive Bakery Cafe @ 2 Keppel Bay Vista Ground Floor (Keppel Bay Marina)
  4. The Marshmallow Tree @ 46 Telok Blangah Drive #01-85
  5. Eco Gourmet Cafe @ 30 Labrador Villa Road
  6. ROOM @ 460 Alexandra Road #01-18 (Alexandra Retail Centre)
Scotts/Orchard
  1. Wild Honey @ 6 Scotts Road Level 3 (Scotts Square)
  2. Antoniette @ 390 Orchard Road B1-08/09/10C (Palais Renaissance)
  3. PS Cafe @ 390 Orchard Road #02-09A (Palais Renaissance)
  4. Marmalade Pantry @ 2 Orchard Turn #03-22 (ION)
  5. Paris Baguette Cafe @ 435 Orchard Road #02-48/53 (Wisma Atria)
  6. Pique Nique @ 391A Orchard Road #B1-01 (Ngee Ann City)
  7. Marmalade Toast @ #02-11 391 Orchard Road (Ngee Ann City)
  8. The Providore @ 333A Orchard Road #02-05 (Mandarin Gallery)
  9. Antoniette @ 333A Orchard Road #02-33/34 (Mandarin Gallery)
  10. Wild Honey @ 333A Orchard Road #03-02 (Mandarin Gallery)
  11. Jones the Grocer @ 333A Orchard Road #04-21/23 (Mandarin Gallery)

Somerset/Dhoby Gaut

  1. Artease @ 8 Grange Road #01-03 (Cathay Cineleisure Orchard)
  2. Oriole Cafe & Bar @ 96 Somerset Road #01-01 (Pan Pacific Serviced Suites)
  3. KPO Cafe & Bar @ 1 Killiney Road (Killney Post Office)
  4. Freshly Baked by Le Bijoux @ 57 Killiney Road
  5. Artisan Boulangerie @ 118 Killiney Road #01-01
  6. Myartspace Cafe @ 31 Orchard Road (Istana Park)
  7. Nana’s Green Tea @ 68 Orchard Road #03-80/81/82 (Plaza Singapura)
  8. Hoshino Coffee @ 68 Orchard Road #03-84 (Plaza Singapura)
  9. Createaf Waffles @ 2 Handy Road #01-02 (The Cathay)
  10. Kith Cafe @ 9 Penang Road #01-01E (Park Mall)
  11. Wild Rocket at Mount Emily @ 10A Upper Wilkie Road GF (Hangout @ Mount Emily)

City Hall/Bras Basah

  1. Fine Palate Cafe @ 51 Waterloo Street #01-04/05
  2. Food For Thought @ 8 Queen Street
  3. The Basement Cafe @ 80 Stamford Road #B1-62 (Singapore Management University)
  4. Food For Thought @ 93 Stamford Road #01-04/05 (National Museum)
  5. Tiong Bahru Bakery @ 252 North Bridge Road #B1-11/12 (Raffles City Shopping Centre)
  6. Commune Cafe & Bistro @ 9 Raffles Boulevard #02-50 (Millennia Walk)
  7. Patisserie G @ 9 Raffles Boulevard #01-40 (Millennia Walk)
  8. Tart Blanc @ 9 Raffles Boulevard #01-102 (Millennia Walk)
  9. Cups N Canvas @ 139 Selegie Road
  10. Strictly Pancakes @ 44A Prinsep Street
  11. Hungry Chimps @ 64A Prinsep Street #02-01
  12. Lowercase @ 1 McNally Street Block D #01-01
  13. Temporium @ 72-74 Dunlop Street
Bugis/Arab Street

  1. Artichoke Cafe @ 161 Middle Road
  2. I Am @ 674 North Bridge Road #01-01
  3. Artistry @ 17 Jalan Pinang
  4. Espressolab @ 13 Bali Lane
  5. Maison Ikkoku @ 20 Kandahar Street (Heritage Centre)
  6. Dong Po Colonial Cafe @ 56 Kandahar Street
  7. Working Title @ 48 Arab Street
  8. CAD Cafe @ 23 Haji Lane
  9. Symmetry @ 9 Jalan Kubor #01-01
  10. La Marelle Cafe & Boutique @ 25A Baghdad Street
  11. A for Arbite @ 28 Aliwal Street #01-01 (Aliwal Arts Centre)
  12. EatPlayLove Cafe @ 28 Aliwal Street #01-07 (Aliwal Arts Centre)

Lavender/Jalan Besar

  1. Tolido’s Espresso Nook @ 462 Crawford Lane
  2. The Coffee Shot @ 103 Lavender Street
  3. Butter Studio @ 147 Jalan Besar
  4. Suprette @ 383 Jalan Besar (Kam Leng Hotel)
  5. The Tiramisu Hero Cafe @ 121 Tyrwhitt Road
  6. Chye Seng Huat Hardware Coffee Bar @ 150 Tyrwhitt Road
  7. Antoinette @ 30 Penhas Road
  8. The Bravery @ 66 Horne Road
  9. Windowsill in the Woods @ 78 Horne Road

Novena/Balestier

  1. L’etoile Cafe @ 160 Owen Road
  2. Cakes Literally @ 138 Owen Road
  3. Jewel Cafe and Bar @ 129 Rangoon Road
  4. The Little Prince Cafe @ 62 Somme Road #01-03
  5. The Sweet Movement @ 62 Somme Road #01-01
  6. La Ristrettos @ 10 Sinaran Drive #08-37 (Novena Medical Centre)
  7. Wheeler’s Yard @ 28 Lorong Ampas

Thomson

  1. Little Part 1 Cafe @ 15 Jasmine Road (Adelphi Park Estate)
  2. Wafflelicious @ 21 Upper Thomson Road
  3. Little Pancakes @ 200 Upper Thomson Road #01-04 (Thomson Imperial Court)
  4. Old School Delights @ 215M Upper Thompson Road
  5. Habitat Coffee @ 233 Upper Thomson Road
  6. Salted Caramel @ 246 Upper Thomson Road
  7. OZ Specialty Coffee @ 11 Sin Ming Road #01-13 (Thomson V Two)
  8. Fluffy White Cloud Dream Cafe @ 11 Sin Ming Road #01-19 (Thomson V Two)
  9. November 8 Cafe @ 11 Sin Ming Road #01-30 (Thomson V Two)
  10. Yahava Koffee @ 4 Jalan Gelenggang

Serangoon/North

  1. Cremier @ 128 Toa Payoh Lorong 1 #01-835
  2. GRUB @ 510 Ang Mo Kio Avenue 1 (Bishan Park)
  3. The Cornerstone @ 1380 Ang Mo Kio Avenue 1 (Bishan Park)
  4. Canopy Garden Dining & Bar @ 1382 Ang Mo Kio Avenue 1 (Bishan Park)
  5. Lola’s Cafe @ 5 Simon Road
  6. Arbite Cafe @ 66A Serangoon Garden Way
  7. Artease @ 261 Serangoon Central #01-29
  8. Ciel Patisserie @ 124 Hougang Avenue 1 #01-1444
  9. Chillax Massage Cafe @ 28 Maju Avenue Level 1
  10. Ice Edge Cafe @ 2 Kovan Road
  11. Hatter Street @ 212 Hougang Street 21 #01-333
  12. Rokeby Cafe @ 15-9 Jalan Riang
  13. Wimbly Lu @ 15-2 Jalan Riang
  14. The Coffee Daily @ 75 Brighton Crescent
  15. Sun Ray Cafe @ 79 Brighton Crescent

Kallang/Katong/East Coast

  1. Backstage Cafe @ 158 Kallang Way
  2. Maple & Market @ 34 Cassia Crescent #01-82
  3. Loysel’s Toy Cafe @ 66 Kampong Bugis #01-01 (Sam Tat Building)
  4. Brawn and Brains @ 100 Guillemard Road #01-07 (Singapore Badminton Hall)
  5. Cafe Melba @ 90 Goodman Road #01-56 (Block N @ Goodman Arts Centre)
  6. The Humble Loaf @ 865 Mountbatten Road #B1-92 (Katong Shopping Centre)
  7. Penny University @ 402 East Coast Road
  8. Oh Deli @ 421 East Coast Road
  9. British Hainan @ 75 Carpmael Road

East

  1. D’Zerts Cafe @ 30 Jalan Pari Burong (Simpang Bedok)
  2. To-gather Cafe @ 84 Bedok North Street 4 #01-27
  3. Milk and Honey Gelato @ 86 Bedok North Street 4 #01-179
  4. Sugarcraft Atelier @ 212 Changi Road
  5. Rice & Fries @ 484 Changi Road
  6. Doggiestyle Cafe @ 496 Changi Road 
  7. Lots Gourmet @ 965A Upper Changi Road North
  8. The Bark Cafe @ 1000 Upper Changi Road North
  9. The Garden Slug @ 55 Lorong L Telok Kurau #01-59/61 (Bright Centre)
  10. 1TwentySix @ 902 East Coast Parkway Blk E #01-26 (Playground @ Big Splash)
  11. Chock Full Of Beans @ 4 Changi Village Road #01-2090
  12. Eggs & Berries @ 5 Changi Business Park Central 1#01-37/38 (Changi City Point)
  13. Table Manners @ 5 Changi Business Park Central 1 #01-68/69 (Changi City Point)
  14. The Coastal Settlement @ 200 Netheravon Road
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perth day 8: top eight regrets of this holiday.

We have arrived at the end of our mini-sabbath… And it has been a good one that I am thankful for. Today’s programme was even more relaxing than yesterday’s. I slept in ’til the late morning while Huiyi and Ervina had D&M at a coffee joint in Fremantle. After that, we went to North Bridge Road (coincidentally also Perth’s Chinatown) to have lunch at the Vietnamese restaurant Tra Vinh. Then we headed to Coogee Beach to enjoy a beautiful sunset before returning home to enjoy home-cooked chicken and pork ribs curry prepared by Granny Aw. She treats me like her grandson. (:

So, I’ve decided to write something alternative on the eve of my departure from Down Under. Sounds untypically cryptic for me to write in a pessimistic manner, but here goes – my eight regrets on this trip (so far):

1. Oversleeping and missing the annual Anzac Dawn Parade today; not that I planned to go for it anyway…

2. Not reading any of the books I brought along; instead I bought three more at CS+E’s church.

3. Not dining at the famed Ciao Italia because it’s closed until 29th April; I need the tiramisu… NOW!

4. This is the biggest bummer of ’em all – not hanging out with Liang Zhi; I haven’t had quality time with him in years!

5. Not meeting up with Ps Benny as our schedules didn’t coincide; I was on a road trip on his free days.

6. Not asking Granny Aw to pray my recovery from Dercum’s Disease; I’m going to strike this out tomorrow though.

7. Earning a surface scratch on Liang’s car with a dustbin that I couldn’t see with either mirror; I’m flabbergasted.

8. Not applying medication to my huge ulcer below the tongue sooner; ulcers have a way of tainting any experience.

Less than 24 hours before Huiyi and I return to Singapore… I’m looking forward but I’m also feeling bittersweet. Won’t we all after a good break? (:

Rocking it out at Coogee Beach with air instruments…

top ten reasons to rejoice for our Dawson flat.

As HY and I experience the Dawson saga, it doesn’t just give us the assurance that God has good plans for us, but also that He has the perfect timing. Hence, the best thing we should do, always, is to trust in His gifts and believe in His timing. I will be detailed in this thanksgiving because I want to give God the full glory. This will be a long entry.

The Dawson BTO (Built-To-Order) project was designed by award-winning architects and centrally located in the Queenstown district. As a result, around 10,000 people applied for it, making it over-subscribed by a few times. We applied for a four-room flat because we know that by 2016, we probably would have just started our own family.

There were 1,102 four-room flats available and our queue number was 1,302, meaning we needed 200 applicants to drop out before we were eligible. However, we actually needed more than 200 applicants to drop out because these 1102 units were divided to meet the ethnicity quota. This basically means that we needed Chinese Singaporeans to drop out if we wanted to smell a chance! Nonetheless, we made it by God’s grace and here are ten reasons why we are still rejoicing and praising God for His providence.

I. Balloting Success. By God’s grace we were successful on our first attempt – quite a miracle considering that there people who have repeatedly applied without success. I remember telling HY that the more we had to depend on “luck”, the more confident I was for God is in control and that we need not depend on our achievements.

II. Right Phase of Relationship. Timing was key in our application. We had arrived at a point in our relationship where we were ready to move on to the next phase of our courtship. We felt that we were ready to progress in our relationship.

III. Additional Housing Grant. Couples with a combined income of less than $5,000 would receive additional housing grant (AHG) of up to $40,000 from HDB. Basically, the lower the combined income, the higher the AHG awarded. This worked out perfect for us because by God’s divine timing, we applied for this when HY was a student without income and when I drew the modest salary of my working life. Any earlier and I’d be on a better income, any later, and we’d have been on a higher combined income. Applications for Dawson opened in that perfect window. HDB actually requested for HY’s CPF statements only up to June 2010 – she began work on 1 July and would therefore have CPF contributions from July onwards! Get it?

IV. Staggered Downpayment. HDB created this payment method to encourage couples to settle down at a younger age. Those below 30 years old have the option to pay their deposit (10% of cost of flat) at two intervals – once at flat selection (now) and the other at keys collection (six years later). And as this is completely paid through CPF, it means that our cash-commitment amounts to zero (not because we have a lot in our CPF, but because of the AHG).

V. Queenstown District. One of the factors that helped us to increase our balloting chances was to be situated near one of our parents. To qualify for this, you’d need to stay within a 2km radius of your parents. Ghim Moh is over 4km from Dawson but because both estates belong to the Queenstown town council, we still qualify.

VI. Breakthrough with HY’s Parents. There was no easy way to ask HY’s parents for their approval and support for this application. We were so scared about this that we actually methodically prepared a detailed six-page FAQ as we tried to speculate the questions they might ask, and we even rehearsed the Q&A! This chat also took place at a time when there was slight tension in the family. It really took courage and a step of faith to present this to them. And their response took us by complete surprise, “Actually you don’t need to ask us because it’s your combined decision… But if you ask us, there’s no issue – this is a good deal – go ahead!” W-O-W!

VII. Centrality. In light of the current skyrocket prices of flats, our Dawson flat actually seems affordable (and almost a steal). It’s a great investment no matter how you look at it. One reason why we were attracted to the place was for its location – a 10-minute commute to almost anywhere (Ghim Moh, Holland Village, the Singapore CBD, Orchard Road, Harbourfront, Chinatown and City Hall), leopard-crawling distance to Grace Assembly of God and walking distance to Queenstown MRT.

VIII. Growth Spurt in Faith. We selected the flat on the fourth day of Grace Retreat. We spent most of the two weeks before our selection appointment refreshing the HDB website, checking how fast our quota was depleting. Our appointment was the second-last of the day and at the time of our selection, we were amongst the final 10 Chinese (i.e 10 more remaining units for the Chinese ethnicity). When we left HDB, there were only five units left. By 10am the next day, the Chinese ethnicity quota had completely depleted. Imagine the mental roller-coaster! Despite all that, we managed to select a high floor – 11th – and while it feels like a relatively low floor in a 47-level block, it was much higher than we had expected!

IX. Payment Commences in 2016. Yes, it will take half a decade for the flat to be ready but we see it as a good thing because it means that we’ll have more than enough time for our CPF to swell with nearly six years of monthly contributions. By then, we won’t even need to worry about additional cash injections because we could easily sustain the monthly repayments. This is significant; if we had purchased a resale flat, we’d require around $80,000 liquid cash (how!?) – half for Cash-Over-Valuation (COV) and half for renovations. Thank God we need not worry about that! In fact, we can take our time over to slowly and steadily save for renovations.

X. Housing Loan Eligibility. As this is a BTO, it means that our housing loan eligibility (HLE) would be reassessed when we collect the keys in 2016. This means that our HDB loan would be derived based on our combined income in 2016, instead of now, where it’d be based on only a single income. This is easily a difference of over $200,000 in loans! Can you imagine if we had to borrow that additional amount from a bank to finance a resale flat, or buy a $200,000 flat?

There’s so much more to thank God! For one, we are officially home-owners now and it’s a huge load off our chest. After all, purchasing a house is one of life’s milestones, and for us to nail it at 27 and 23 years old respectively, was beyond our expectations. To know that we’ve overcome this hurdle allows us to focus on building our relationship and making us even stronger than before. God is faithful indeed. All glory to Him alone!

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