if u really like the place, well.. tat more than makes up. just wanted to tell u my frank opinions.. never one to say nice things anyway. i personally feel u should be expecting to sell in future for abt 380k levels with No cov. tat's manageable anyway, just tat nobody goes buying a hdb expecting to lose money, most times they go for gains.
But tat said, it's still a milestone for u so congrats!
for bank loans, my suggestion is to explore floating for the next 1-2yrs, for tat check HSBC or CIMB. for fixed, DBS pretty ok. Ask around frens who have taken loans... u will realise that whilst some banks offer slightly better rates, they are Quick to revise up, and slow to revise down. for fixed, less such exposure.
reno-wise, learn to save on things u use less, and pay more for things u tend to use regularly. pay for mattresses, not beds... everything else dun need to spend too much... the key to saving money is Not to Give Up (tired, dun wanna see anymore etc), the reason why some pple remain financially-challenged is becos they are flamboyant when they can least afford to. for example - Sofas... pple are all so used to it costing 1.5-2.5k, but actually u can get a decent one for under $800. it makes little difference between leather, half-leather, PU, PVC, etc when u are buying below 3k... it is mostly marketing. if u really into good sofas, u need at least 3.5k, which should be heavily discounted already.
tv wise unless u need slim, dun need LED, anyway LED tvs are not really full LED but only LED-edged. so watever energy savings is kinda gimmicky. it's like selling u the world's most. economical engine, but they sell u on an SUV... u think u really gonna save much petrol?
basically u need to be pretty hands-on and aunty-ish on the reno works to save anything.
good luck