FYI you can ask the bank to lend you ≈75%LTV of the future property before restoration works start so assuming you have a real estate project for restoration - the bank estimates the future value (after the immovable property is restored) and lends ≈75% of that expected future value. if you lease the property instead of buying - banks can generally finance 100% in restoration projects the bank may also agree for a lower installment payment schedule while the works are ongoing/the property business is being setup - e.g. for the first two years of the loan you're only paying interest installment portion without amortizing the outstanding principal amount otherwise you'll need another way to finance the restoration costs, and I doubt the contracting company will agree to only receive payment once your loan gets approved