It depends on how the application is made. Some banks lend directly to decoration companies, but they have high requirements for decoration companies, so it is generally not recommended to apply. If you apply for renovation loans from Ping An Bank and China Everbright Bank, it is the kind that you can directly lend money to your card and withdraw cash. However, the quota will not be very high, about 5W~ 10W. But you should be able to borrow 8W.