Let me tumpang your thread a little bid. I am always dreaming of building my house, but no money...

Anyway, just curious, will it cost a lot to rebuild a corner house(only 20x70 + 10' land)? I mean totally come up with new layout design. Here is my idea.

- knock down all walls
- rebuild w/ new design
- basically, use partition wall whenever possible, this way i can redesign my home again should i need to replan my layout! :-)

Just structurally, like what the other person has suggested to save money. How much would it cost a psf wise? Is it still 80-100psf? Here i am not talking about wiring/plumbing/ID. Just a bare unit house, almost like a shop lot, with only 4 walls, something like that.

Will it cost a lot more to raise the floor up 2-3'? LIke in US, most houses are built 2-3' up so that wiring, plumbing can be done easily. Sort of like rumah tinggi.

I believe you can finance the loan for the land & building cost together. You can tell your bank how much you need, and you must build it in certain time frame, usually within 2-3 years. However, your margin might be low, around 80%. Call your bank.