Landlords typically have property insurance, but this doesn't cover your personal belongings. Consider renter's insurance for your possessions and personal liability. Some policies cover temporary accommodation if the unit becomes uninhabitable. Check if your landlord requires you to have insurance and understand what's covered under their policy versus what you need to protect yourself.
You need to plan beyond just monthly rent. Budget for your security deposit, utility bills (electricity, water, gas), internet, and any regular maintenance or air-con servicing costs. Also factor in moving expenses and possible agent fees.
Common arrangements include parents' master bedroom, children's shared room, and a guest/study room. Some families give each child their own room, while others use one as a home office or playroom. Consider your family's current and future needs, including whether children will want separate rooms as they grow.
Renting a condo unit gives you on-site amenities and added security. You’ll typically have access to facilities like a swimming pool, gym, and BBQ areas. Condos also provide a gated, secure environment (often with guards or access cards), which means more privacy and peace of mind.
Create a dedicated workspace even if it's just a corner with a desk. Use visual cues like different lighting or a room divider to separate work time from personal time. Establish routines that help you mentally 'leave work' even when you can't physically leave the space.
HDB units offer excellent value for families with practical layouts and nearby amenities like schools, clinics, and childcare. The strong community environment provides social support networks. Playgrounds and void decks offer safe spaces for children. However, consider space constraints in newer flats and noise from neighbors due to closer proximity than landed houses.
Landed houses often have helper's quarters or space for live-in domestic help. Clarify with your landlord whether you can employ helpers, if there are designated helper areas, and what additional costs or responsibilities this entails. Understand helper accommodation standards, work permit requirements, and whether helper facilities like separate bathrooms or kitchens are included in your rental.
Request to see the landlord's NRIC and property ownership documents or tenancy agreement if they're a main tenant. Check property records through official channels if needed. Be wary of landlords who refuse to meet in person, demand cash-only payments, or pressure for immediate decisions. Legitimate landlords will provide proper documentation and allow reasonable verification time.
