Home loan approved, but not renovation costs

So, for point of reference for everyone here. I was approved for a home loan without PR and as a sole proprietor. My wife is Japanese. Bank is SBI. Zero down payment. 0.53% floating +0.1% for insurance(cancer/daily living)

However, our loan agent said ‘no’ to the renovation loan(we only asked for 150man). It was denied because according to him, SBI doesn’t offer renovation loans anymore; It wasn’t because we didn’t qualify for the extra. I’m not sure I believe him because the application form online still shows the option.

In any case, I don’t want to dump too much into the house, so I’m thinking of getting a renovation loan through another company.

I have a ridiculous PayPay card loan that I could use, but the interest rate is 10%!!!!! I plan to use that only in emergencies. This acts as our emergency fund because a lot of my money is tied up in our business(stock).

My wife has savings, but no. I’d rather not. She works hard and that’s her/our safety net also.

Does anyone have any suggestions?

Thanks a bunch!