If you have a mortgage, it's not about the amount of money. Houses below 60 square meters can't be mortgaged, including housing allocation, but they can be decorated. Houses over 60 square meters can be mortgaged, and the funds for decoration loans must be used for decoration according to the requirements of banks. After the later consumption, you must keep the consumption voucher for decoration. If you let the bank know that your funds are not used for house decoration, then the bank has the right to terminate the contract and ask you to repay in advance.