Color Theme for Home

Photo taken from https://the-jovell-condo.com.sg/

Clientele range from homeowners to large corporations and interior design is diverse, ranging from simple indoor and outdoor living environments to hotel lobbies and lavish mansions. Interior designers work to create spaces that are attractive, functional and safe, regardless of size, while meeting the specific needs of each client. Using furniture, color palettes, decorations, and functional furnishings, they create a variety of spaces, from living rooms to beautiful and functional offices, where people enjoy working and want to work.
According to American Institute by architects, space planning involves blocking out interior spaces, defining traffic patterns and developing plans for furniture arrangement and equipment placement. Nesen Guggenheim advises that interior design projects should begin by assessing the functional deficiencies of a space so that elements can be manipulated to fit into people’s lives. Lighting designers analyze the surrounding space and environment to find light sources and appropriate fixtures that can best be used.


The apparent size and shape of the room also changes the scope of color choices. The size of the room, the height of the walls and the building materials will determine the installation locations available, which in turn will affect how the walls themselves are lit. The type of lighting we choose also determines how we see the color on our interior walls, as different colors react differently to different wavelengths of light.
Color is more than just an esthetic choice, it can affect the overall mood and feel of a room. Don’t just think about your visual preferences, think about what kind of energy and attitude you want to cultivate when deciding on the color scheme for your space. Color is a powerful design tool for decorating, and interior design is an art that consists of coordinating colors to create stylish schemes for interior design and spaces.
It is imperative for interior designers to have a deep experience with colors to understand their psychological impact and the importance of colors in different places and situations to create appropriate combinations and places. The use of color in interiors is a translation of abstract color schemes and theories into the meaning of real materials and surfaces, and the experience of using space is a complex matter that requires creativity and judgment from experience.


Developing a color diagram is useful in developing a satisfactory color scheme for an interior. The colors of an abstract chart are selected based on the answers given in the 3WS and are independent of the actual layout and general design of a particular room. There are some steps that can be taken that are useful in developing appropriate color schemes for successful interiors.
Color wheel diagrams can help us understand the general categories of warm and cool colors, but as we will see later in this article, this is not a solution. Abstract color charts tie the desired colors together and can be created with colored paper, paint, or watercolor, which provides more flexibility in creating different colors, shades, and tints by adding a mixture of pigments.
The importance of warm colors can be understood: The sun is a source of life and warmth. Cool colors work well in bedrooms and offices where calm and energy are appreciated.
As a color rule, interior designers use a complementary color scheme, which I think is the simplest. You choose a central color on one side and use colors on both sides. Specifically, complementary color schemes use two hues that are adjacent to each other on the color wheel, which means you get combinations of blue, orange, yellow, purple, red, and green (as you can see in the photo above). These colors have a high contrast, which means they bring an energy to the room and they can be used in small doses. This strip uses glossy pink to give the room a unique character and atmosphere. A narrow room can feel like a hallway by sliding the colours along the short walls. In a home, look for the focal point of the room like a television, fireplace or large piece of art.
Make sure the visual weight is equal or the same (weight depends on size, colour and texture, e.g. black has more weight than grey). You can also try an asymmetrical balance by mirroring the objects and playing with the balance and combination of weight, colour and texture.

An example is at the Jovell condo. A new launch by Developer Hong Leong. They use the right theme and colour for the toilet and kitchen which makes the home look brighter
Value contrast emphasises the difference between simultaneous contrasts in the same way that colours affect each other. Colour values and levels can affect the character of a space by changing the apparent size of a room.
Colour psychology is based on the scientific effect of different hues on the human brain. The effects of colours may seem similar, but studies have shown that individuals respond differently to standard colour schemes.
Colours are one of the most fundamental and influential aspects of interior design. Therefore, it is best to choose a colour scheme based on the client’s personality and desires.
The choice of colours is an important factor in the success or failure of decorating schemes. By considering the use of colour to unify furniture and finishes, cohesive and aesthetically pleasing results can be achieved. Since colour plays an important role in defining the mood of a scheme, designers must derive the visual design concept from brief considerations of the shape and proportions of the space as a guide for colour selection to achieve the desired effect.
LED lights allow colours to be painted in a flexible colour spectrum. In rooms painted in warm colours, fluorescent lights tend to make the walls appear dull. However, they can also be used in cool lighting applications to give a casual and informal feel to a room painted in cool colours.
This can have an impact on mood, such as when you take off a shoe, lose a sock, or reach for your favourite beverage in the living room. Small changes in colour, layout, and fabrics can improve mood and create positive feelings. Using psychology in interior design can help you feel more comfortable in your home.

Special thanks to https://the-jovell-condo.com.sg/ for the pieces of information.

Exploring New Heights in Pasir Ris 8

Recently Deluca and I were doing some search for our new investment place. We have reviewed many condos and have shortlisted a good handful. Since Deluca is out at work and I am free for the weekend. I will share on this fabulous real estate from a developer in Singapore.

Image Source: https://www.elaunch.sg/newlaunch/pasir-ris-8

Pasir Ris 8 Condo developed by Allgreen Properties – one of Singapore’s leading developers,  comprises 480 apartments over three levels with retail space, This property will offer future residents a wide range of exciting amenities and potential investment and ownership.

Located in a complex of protruding land in the Pasir Ris area, The Pasir Ris 8 (Pasir Ris 8 Condo) is a mixed-use development that has been included in the government’s confirmation list for land sale and will be developed into a commercial apartment and mixed-use residential. The project is located next to the MRT station Pasir Ris and is well connected to bus hubs, polyclinics and town squares. The mall will have three levels – two above ground and one basement. There will also be underground parking for the mall. There will be a separate parking lot for residents on level 3 of the project; apartments will be located on levels 4 to 11.

Pasir Ris 8 is located in the planning area and the residential town is located at East Region, D18, Singapore. The location of Pasir Ris Central will make it easy to reach Changi International Airport, Singapore Expo, Changi Business District and Tampines Regional Centre. It is also close to various reputed local schools like Hai Sing Catholic School, Coral High School, Dunman High School, Loyang High School.

Nearby amenities include

Shopping:

  • White Sands
  • Elias Shopping Centres
  • Changi City points
  • Tampines Shopping Mall
  • Jewel Changi

Schools:

  • Hai Sing Catholic School
  • Loyang Primary School
  • Elias Park Primary School
    Free time:
  • City Centre East
  • Pasir Ris Town Park
  • Pasir Ris Sports CTR
  • Aranda Country Club

What would the sale price be?

The land price for Allgreen Properties and Kerry Properties is based on a lower gross floor area of 832,480 sq ft, excluding public amenities, and amounts to S$840.86 psf, said a spokesman for Allgreen when contacted by The Business Times. I think the break-even cost plus 15% profit margin would put the Pasir Ris 8 condo price at about $1,580 per sq ft.

The Masterplan of Pasir Ris

Need some vitamin “sea” to escape the hustle and bustle of city life? Look forward to a new elevated bike and pedestrian path that will seamlessly connect the revitalised Pasir Ris Town Centre to Pasir Ris Park and the beach.

New plans for a new mixed-use development downtown, upgraded neighbourhood amenities and more community spaces and greenways with better connectivity to Pasir Ris!

Pasir Ris 8 is zoned white and is being developed into a new mixed use/integrated condominium development at Singapore District 18 at Pasir Ris MRT. Pasir Ris 8 is estimated to consist of up to 600 residential units of condominiums and will enjoy amenities with a 3-storey shopping mall right at its doorstep. This mixed-use development at Pasir Ris MRT will feature a bus hub, town square and polyclinic, offering residents seamless access to public transport and amenities. The completed Pasir Ris 8 will also serve as a community hub for area residents in a central location.

Pasir Ris 8 Location

Pasir Ris 8 is located adjacent to Pasir Ris MRT station and spreads over 3.8 acres, as part of the Pasir Ris Town”Remaking Our Heartland” plan for residents. Pasir Ris 8 is also close to amenities like White Sand Mall, Pasir Ris Park, Pasir Ris Hawker and Sports Centre, Down Town East, E Hub and many more. There is a wide choice available to residents including supermarkets, banks, shops, a cinema and many restaurants and eateries. Schools in the vicinity of Pasir Ris 8 include Elias Park Primary, Hai Sing Catholic School and Loyang Primary.

Pasir Ris MRT

Pasir Ris real estate favourably seems with a high number of undertakings by authorities to rejuvenate the city and the growth of Cross Island Line and investemnents of personal area for new improvements, with these strong open and personal speculation, the property prices of Pasir Ris will be aggressively strengthened and improve during the following 10 to 20 decades.

Pasir Ris 8 is a brand new mixed residential and commercial building of Allgreen Properties and Kerry Properties. The houses along the MRT station Pasir Ris will be connected with a bus, polyclinic and town square and will produce around 600 homes. The maximum gross floor area allowed is 95,010 sqm with a planned gross plot ratio of 2.5.

The newly opened Pasir Ris Central Hawker Centre nearby serves the usual Chicken Rice and Char Kway Teow as well as trendy and international dishes like Wagyu Beef Bowls, Pork Belly Burgers and even Korean Bingsu. (This hawker place is one of my favorite in Singapore)

Pasir Ris Sports Centre, also a short walk away, includes a swimming complex and facilities for badminton and table tennis, among other sports.

Pasir Ris is the residential development closest to Singapore’s Changi International Airport and the newly opened Jewel at Changi. By car, the airport is only five to ten minutes away from your home at Pasir Ris 8 Residences @ Pasir Ris Central. By bus, it takes about 20 minutes. This has made Pasir Ris one of the preferred locations for frequent travellers, including tenants (such as airline staff) who need to commute to Singapore for work.

Why mortgage insurance is important in Singapore?

After the passing of a loved one, there may be debts, mortgages and/or bills to shoulder.

Who will assume these liabilities? What funds are available to pay them off? Fret not, Today’s topic will cover all these important points.

What is a mortgage?

A mortgage is a legal document that you offer to your lender in exchange for a legal title to your property. On the other hand, a home loan is one that you actually get a loan to buy a house. Therefore, a mortgage is one where the property serves as collateral, while a home loan can be secured or unsecured.

A person who takes out a mortgage is the “mortgagor” or the borrower.

Will my family and I inherit the mortgage from the Deceased Mortgagor?

Generally, you and your family will not inherit the mortgage if the mortgage was signed solely in the name of the deceased, meaning the deceased did not co-sign the mortgage with you or another family member.

If this is the case, the executor or administrator of the deceased’s estate (depending on whether the deceased had made a will) will sell the property to pay off the mortgage. However, if you or another family member co-signed the mortgage with the deceased mortgagor, then that person will inherit the mortgage.

The mortgage co-signer then assumes the deceased’s mortgage obligations as the sole debtor. What happens after that depends:

How the property was paid for (e.g. bank loan or CPF).
Whether the property is a private property or an HDB flat. If the deceased mortgagor paid for the property (whether private property or HDB flat) by bank loan
The surviving mortgagor must submit a Grant of Probate to the bank to prove that he has the right to take responsibility for the mortgage.

Due to the large number of documents required for a court application, it is certainly advisable to hire a lawyer to complete the paperwork to obtain the Grant of Probate.

Thereupon, the surviving mortgagor can discuss with the bank the possible ways to pay the mortgage, especially if he or she does not have the funds to do so.

What happens if we can’t pay off the mortgage loan?

If the party or the beneficiary is ultimately unable to repay the loan, the lending bank has the right to foreclose (repossess) the property.

If it is a private property, you should also find out to see if mortgage insurance has been purchased. This insurance, known as Mortgage Reduced Term Assurance (MRTA), can pay out a sum of money if one of the mortgage holders dies.

If the mortgagor had used his/her savings in the CPF account to pay the monthly loan instalments for his/her HDB flat, he/she would be placed under the Home Protection Scheme (HPS). If the mortgagor dies, the CPF Board will settle the outstanding home loan up to the amount insured directly with HDB or the bank that granted the home loan.

The Home protection scheme is mandatory and compulsory by the government for all persons who use their savings from their CPF account to pay for their HDB flat.

The HPS does not cover private residential properties such as Executive Condominiums (ECs) or privatised Housing and Urban Development Company (HUDC) flats.

You can apply for the HPS at the HDB Hub or any HDB branch if you wish to use your CPF to pay the monthly instalments of the housing loan. For more information on the HPS, click here.

What happens to the deceased’s Mortgage Debts?

Mortgage debts may arise if the mortgagor passes away and fails to make the monthly loan repayments.

The first option is to see if any of the family members can help deal with the debt. If so, you can put their name on the deed (a legal document of ownership of a property) and make them a co-debtor.

You can also find out about the legal procedures for clearing debts after the debtor’s death.

What happens to the deceased’s Hospital Bills?

If the deceased left medical bills, you can pay them through his or her Medisave account and/or MediShield Life (a mandatory basic health insurance plan for all Singapore Citizens and Permanent Residents).

Insurance claims can also be submitted under Dependents’ Protection Scheme (DPS), a term insurance policy that provides basic coverage of up to $46,000 to covered members and their families after the death of a covered member.

You can receive a further top-up of funds to pay for the deceased’s medical bills from the payment of the deceased’s CPF funds and/or funds in the bank account.

The events following the death of a loved one are fraught with many difficulties, not only emotional but also financial. It is therefore important to err on the side of caution and make adequate preparations in case of an unfortunate event.

That is the reason why Mortgage insurance is especially important.

What is Conveyancing?

This question has been asked by many expats whom I’ve met. Basically, Conveyancing is a transfer of property to another person.

Conveyancing is one of the necessary steps in buying or selling a property. A Solicitor or Conveyancer will liaise with the relevant parties in the transaction including estate agents, the seller or buyer, mortgage brokers, the buyer’s agent and lenders. They will offer their assistance to facilitate the transaction and have your best interests in mind.

The Solicitor or Conveyancer takes care of many of the formalities associated with the transaction. This includes confirming the settlement date and a breakdown of the monies that need to be adjusted, closed and paid to the parties involved. He will also ensure that the property is correctly transferred into the buyer’s name. The Solicitor or Conveyancer will review the contract of sale, including any special conditions, and advise you of your legal obligations.

The Solicitor or Conveyancer will also review all the documents attached to the contract, such as the Land Registry information, diagrams and council certificates, to ensure that nothing is overlooked. He should explain the documents and the small print before you sign anything.

So, what does a Solicitor or Conveyancer do for you?

Conveyancing is one of the most important services you will need when buying or selling a property. Solicitors and Conveyancers are knowledgeable about property law and can guide you through the conveyancing process. They offer a variety of services such as preparing documents, explaining the small print, researching a particular property and the title deed, calculating rates and taxes, carrying out a property settlement and looking up any easements or other information you may wish to obtain. You can also explain regulations that apply to estates, if applicable.

How much does a solicitor or conveyancer cost?

The fees for instructing a Conveyancer or Solicitor can depend on a number of factors relating to the transaction. In some states, there are restrictions on how much the Solicitor or Conveyancer can charge for their services.

Among the many factors that affect the cost of the services is whether you are buying or selling a property, as this will determine how much research the Solicitor or Conveyancer will need to carry out.

The Solicitor or Conveyancer fees you pay are mainly split into two different parts to cover statutory fees and expenses. Search fees are additional costs that can include a title search, rights of way, easement inquiries, improvements, utilities, and property taxes.

Understanding the services of a Solicitor or Conveyancer and their responsibilities will help you to better appreciate how they can best support and protect you when you are ready to invest in a property. Their support and representation can give you peace of mind and ensure you complete the transaction correctly as you navigate through the process.

In Singapore, using the service of a solicitor will cost about $1800 to $4000 for a transaction. 

This includes the use of your CPF and bank loan. If without these options, you can easily negotiate with the solicitor for a better deal.