We provide unsecured home renovation loans with extended loan tenures, offering a flexible and convenient financing solution to help you transform your living space.
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Katong Credit Home Renovation Loan
Have you recently purchased your dream home? The next step may be to renovate and personalise your living space.
Many homeowners choose to renovate their homes to enhance aesthetics, improve functionality, or accommodate a growing family. However, home renovations can be costly, especially after purchasing a property.
A home renovation loan provides the necessary funds to cover renovation expenses, including:
Whether you want to modernise your interiors, build your dream kitchen, or create more living space, a home renovation loan can help you achieve your vision without financial strain.
Katong Credit makes getting a loan simple and flexible, offering a range of exclusive benefits.
Fast approval with minimal paperwork for a hassle-free process.
Get lower rates and higher limits for better financial flexibility.
Choose a repayment plan that suits your financial needs.
Timely repayments can help strengthen your credit history.
Access funds easily with a seamless borrowing experience.
We ensure that none of your personal information is disclosed.
Here are some common questions about our home renovation loan and their answers.
Purchasing a home is a significant financial commitment, and renovation costs can add up quickly. A home renovation loan provides the necessary funding to help you upgrade and personalise your living space without straining your finances.
With this loan, you can:
A home renovation loan ensures that your renovation plans stay on track, allowing you to transform your home with ease and confidence.
A home renovation loan can help cover a wide range of renovation expenses, including:
Whether you’re upgrading your space or making essential repairs, a home renovation loan provides the financial flexibility to transform your home with ease.
The cost of home renovation in Singapore depends on the type of property and its size. Below is an estimated breakdown of renovation costs based on dwelling type:
New Flats:
Resale Flats:
Executive Condominiums:
Starting from S$20,000 and above, depending on the extent of renovation.
Renovation costs vary based on materials, labour, and the scope of work, so it’s essential to budget wisely. A home renovation loan can help ease financial strain while ensuring you achieve your desired home transformation.
Renovating your home involves various upgrades. Here’s a breakdown of common renovation works and their estimated costs:
Renovation costs can add up quickly. A home renovation loan helps you manage these expenses with flexible repayment options, so you can create your ideal home stress-free.
Proper budgeting ensures a smooth renovation process, and a home renovation loan can provide financial flexibility to achieve your ideal home.
Before taking out a personal loan, it’s essential to evaluate several key factors:
1. Type of Loan
Understand the difference between secured and unsecured loans:
2. Interest Rates & Fees
Compare interest rates as they significantly impact your monthly repayments. Be aware of potential hidden fees, such as:
A reputable licensed money lender will be transparent about any additional charges before you sign the loan agreement.
3. Loan Tenure
Your repayment period affects the overall loan cost. Choose a tenure that ensures manageable monthly payments without financial strain.
4. Your Financial Situation
Assess your current financial standing to determine how much you can comfortably borrow and repay. A well-planned loan helps you stay financially stable while meeting your needs.
To qualify for a home renovation loan, you must meet the following criteria:
Meeting these requirements increases your chances of loan approval with a licensed money lender.
With Katong Credit’s flexible home renovation loan, you can renovate with confidence, knowing your finances are well managed.
The required documents vary depending on your residency status:
For Singapore Citizens & Permanent Residents:
For Foreigners:
Providing these documents ensures a smooth application process with a licensed money lender.
Applying for a home renovation loan with Katong Credit is a fast and hassle-free process:
Step 1: Submit Your Application
Fill out the online application form on Katong Credit’s website with your details.
Step 2: Get a Quick Response
A loan officer from Katong Credit will contact you within an hour to update you on your loan application status.
Step 3: Complete Verification & Receive Your Loan
Visit the Katong Credit branch for face-to-face verification, sign the loan agreement, and receive your approved loan on the spot.
With a simple and efficient process, Katong Credit ensures quick access to financial assistance when you need it.
At Katong Credit, loan disbursement is immediate once you accept and sign the loan agreement at our branch.
This ensures that you get the funds you need on the spot, without unnecessary delays.
Yes! You are still eligible to apply for a loan with Katong Credit, even if you have existing loans with other licensed money lenders.
At Katong Credit, we strive to offer flexible loan solutions to meet your financial needs. Our team will assess your situation and provide the best loan package available to you.
Yes, you can apply for an home renovation loan even if you already have an existing one with a licensed money lender. However, approval will depend on factors such as your repayment history, income, and financial situation.
It’s important to borrow responsibly and ensure that you can manage multiple repayments without financial strain. If needed, consult your lender to assess your borrowing capacity before taking on another loan.
No, there is no penalty for repaying your loan early. Since 1 October 2015, licensed money lenders in Singapore are only allowed to charge the following fees:
Borrowers can settle their loans early without incurring additional penalties beyond these regulated charges.
No, Katong Credit does not mail any loan-related documents to your home.
All loan details are securely stored digitally and kept confidential. If you require a physical copy, you may request one directly from us.
Get your personal loan quickly with our streamlined, 3-step process.
Submit your application as fast as 2-min using Singpass.
Receive your loan information in just 8-min.
Visit our office, sign, and collect your cash instantly.
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September 2, 2026 
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