SINGAPORE – Buying an apartment is a huge financial outlay for most people and undertaking renovations in your new home can bring the unwelcome prospect of even more debt at a time when interest rates are rising.
Renovation costs can hit the tens of thousands of dollars, depending on the work you intend to do, so where are you going to find the money?
source https://netdace.com/latest-news/st-explains-what-to-consider-when-taking-a-loan-to-fund-home-renovation/