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    Contingency and sequencing for a 70 m² Hong Kong country-home renovation

    I need to decide soon whether this project can stay within HK$2,804,000. The trade-off is between reserving enough for hidden work and leaving a usable allowance for the visible renovation. The property is a 70 m² Hong Kong country home priced at HK$8,697,000. I am allowing for a new kitchen...
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    New-build flat or townhouse in Oslo: what costs emerge after year one?

    I would prefer the lower-effort option, but I do not want convenience to hide weak building finances. I’m comparing a 160 m² new-build flat in Oslo with a similarly priced townhouse, and the purchase prices alone are not helping me decide. For the flat, I want to examine service charges...
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    Offering 10% below asking on a detached home in Hong Kong — sensible or too aggressive?

    The detail that changed my view is the 21-day marketing period. I had been leaning toward opening 10% below the HK$1,560,000 asking price for this detached home, but that may be early enough for the seller to reject the approach rather than counter it. The property requires updating, and the...
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