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I am torn between protecting most of the cash as a household reserve and earmarking more of it for early work on the property. This is a 4-bed country home around Seoul at approximately ₩1,173,000,000, and the current estimate leaves ₩40,020,000 available once the deposit and closing expenses...

I can either accept quotes with different exclusions or delay the appointment until every bid follows the same schedule, and neither option feels comfortable. The overall project figure is ₩1366,000,000, including a preliminary renovation allowance of ₩497,700,000 for 190 m² of student housing...