Hi guys, actually i have allocate some a budget for my renovation project however due to the fact that i do not knnow anything about renovation which now i learn much more in the forum i found out that my budget was slightly low than the things i wanna do.. it's like around 30% higher then my budget..

my friend told me to source for loan which there is reno loan by OCBC bank given blr -0%, i'm not sure if this is a wise move.. i'm in dilema of the below...
A. Cut out some part of the work that is not so necessary and also some thing to be postone like KC or porch reno (inclde the awrning, gate and bla bla bla) and do it in later days when is financial fit (6months or so ) 

B. Just go take a loan, 1 time kasi all habis and move in happily however borne my self to few years of struggling paying off house installment, car installament, cc easy payment for furniture and now the reno loan 

which mostly those done reno or have experience to advice if that would be a wise mmove to take a reno loan ? or does anyone really rely on reno loan ??