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Personal Loans

Yes. When your renovation loan runs out, a personal loan can be used cover emergency repairs or correct any mistakes that went wrong during the renovation.
In general, you can borrow up to four times your monthly salary. So if you earn S$3,000 a month, the most you can borrow from a personal loan is S$12,000. This amount may be more based on the bank's policies, your credit history, and your profile.Note that you usually need to borrow at least S$1,000 to qualify. If you need to borrow less than S$1,000, you should consider using a credit line instead.
Salaried employees and commission-based employees must send a scanned copy of your NRIC (front and back), latest 12 months' CPF Contribution History statement, Latest Income Tax Notice of Assessment or latest computerised payslip.Unlike home renovation loans, which require you to submit an formal signed quotation from your contractor, you don't need to show quotations or documentation related to your home improvement project.

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