Home Appliances & Furniture in Singapore: Managing the Cost with Smart Financing

For many Singaporeans, creating a comfortable and functional living space is an exciting part of homeownership. Whether you’ve just purchased your first flat, moved into a resale house, or are simply upgrading your current home, furnishing it with the right home appliances and furniture is essential to daily life. From basic kitchen equipment to stylish sofas and smart TVs, a well-furnished home improves not only your lifestyle but also your overall well-being.

However, the cost of furnishing a home in Singapore can be surprisingly high—especially if you're starting from scratch or upgrading multiple items at once. With inflation, rising costs of imports, and increasing demand for energy-efficient or smart home technology, budgeting for home essentials is more important than ever.

How Much Does It Cost to Furnish a Home in Singapore?

Let’s break down the average cost of essential home appliances and furniture:

Home Appliances

• Refrigerator: SGD 600 – SGD 2,500 (energy-efficient models cost more)

• Washing Machine / Dryer Combo: SGD 700 – SGD 2,000

• Microwave, Oven, or Induction Cooker: SGD 150 – SGD 1,000

• Air Conditioner (Multi-split system): SGD 2,000 – SGD 5,000

• Water Heater (Storage or Instant): SGD 150 – SGD 600

• Smart TV & Sound System: SGD 600 – SGD 3,500

Furniture

• Sofa set: SGD 800 – SGD 3,500 (leather or modular sets cost more)

• Dining Table with Chairs: SGD 500 – SGD 2,500

• Bed Frame and Mattress (Queen or King): SGD 900 – SGD 4,000

• Wardrobes and Cabinets: SGD 500 – SGD 2,000

• Study Desk and Office Chair (for WFH setup): SGD 300 – SGD 1,200

By the time you add up everything, it’s not unusual for new homeowners to spend SGD 10,000 to SGD 25,000 or more just to fully equip and furnish a modest-sized home. And that’s not even including optional but increasingly popular smart-home gadgets like digital locks, robot vacuums, and home security systems.

Why Financing Can Help – Especially for New Homeowners

Many Singaporeans aim to pay in cash whenever possible—but for big-ticket purchases like furniture and appliances, this isn’t always realistic. Life in Singapore is expensive, and with upfront costs like renovation, legal fees, moving services, and utility deposits, it’s easy to run short on funds.

Instead of compromising on quality or delaying essential purchases, financing options like personal loans allow homeowners to get what they need now, while managing payments over time in a structured way.

Advantages of Personal Loans for Home Furnishing:

• Get immediate access to furniture and appliances

• No need to drain your savings

• Flexible repayment terms that suit your monthly budget

• Often lower interest rates than using credit cards or installment plans

• Can be used for multiple purposes—appliances, furniture, installation, and even minor renovation work

Making the Smart Choice: Get Financial Support When You Need It

If you're in the process of setting up your new home, replacing outdated appliances, or simply want to give your living space a fresh new look, but you're concerned about the cost—you're not alone. Thousands of Singaporeans face the same challenge every year.

That’s why Alles Autos Credit Pte Ltd is here to help.

As one of the largest licensed moneylenders in Singapore, Alles Autos Credit offers fast, flexible, and fully regulated personal loans for individuals who need financial assistance with home-related expenses. Their loan services are trusted by Singaporeans for being transparent, hassle-free, and customer-focused.

With quick approvals, customizable repayment plans, and clear interest rates, Alles Autos Credit makes it easier than ever to furnish your dream home—without compromising on comfort or quality.

Take the Next Step Toward Your Perfect Home

Don’t delay your dream home any longer. Whether you’re buying your first washing machine, upgrading to a smart air-conditioning system, or furnishing your entire flat, Alles Autos Credit Pte Ltd has the financial solutions to support your journey.

Apply now or visit Alles Autos Credit to learn more about how a personal loan can help you set up your ideal living space—affordably, quickly, and stress-free.

Your home deserves the best. Let your finances match your vision.