Final answer:
Borrowing money from a bank to remodel a house is subject to interest rates, loan approval, and credit score. All of these factors influence the terms and availability of the loan.
Step-by-step explanation:
When considering burrowing money from the bank to remodel a house, there are several subjects it is contingent upon. It is subject to 1) Interest rates, which dictate the cost of borrowing money over time. 2) Loan approval is necessary, as the bank needs to agree to lend the money based on various factors. Lastly, 3) Credit score plays a crucial role, as it reflects the borrower's creditworthiness and influences both the likelihood of loan approval and the interest rate offered. Therefore, the correct answer is 4) All of the above.