Upgrade the home you already love.

Helps homeowners upgrade, repair, or enhance their existing homes with flexible financing and convenient repayment options — from a fresh coat of paint to a full structural extension.

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Up to 100% of project value

Staged disbursement Funds released as work progresses

Renovate on your terms

Freedom to transform your living space.

Whether you're planning a major renovation, a modern interior upgrade, or an outdoor improvement, this facility is designed to bring your vision to life without financial strain.

From a fresh coat of paint to a full structural extension, the CDB Renovations Loan covers a broad range of home improvement needs — giving you the freedom to transform your living space on your own terms.

Key features

Financing that flexes around your project.

Coverage, allowances, and disbursement built to match how renovations actually happen.

Loan Coverage

Finance up to 100% of the renovation project value, based on BOQ.

Repayment Period

Up to 10 years to spread the cost comfortably.

Lifestyle Allowance

Up to 40% of the loan can go toward furniture, appliances, garden & pool.

Processing & Legal Charges

Just 1% of the loan amount.

Staged Disbursement

Funds released in stages matching your renovation's progress.

Solar Financing

100% financing available for solar energy installations.

More than materials

Benefits that come with the build.

Additional benefits

Pay only interest during the construction period
Loan charges conveniently deducted at disbursement — no upfront payments required
Flexible repayment plans tailored to your income and cash flow
Free CDB credit card with joining fee waived for eligible borrowers