hi all , my spouse is a non citizen , work permit holder. Can I check are we still eligible for applying renovation loan ? If yes , can his salary be counted ? thanks

If both you and spouse's name are included in your home, both of you should be eligible and can count his salary in too but pls double-check with banker.

Think it is wiser if you check with your banker... Better still go to multiple banks to check their loan rules!

Yes, it can however traditionally non-citizens will incur higher % rate + lower loan value ratio to his salary due to a higher default risk. Not sure about the market now.

banks diffucult call a finance company they can advise you instead of forum