If you plan on moving power, plumbing, walls, or heating/air conditioning (HVAC) then a permit is required. It wouldn’t be required if you are just painting, replacing cabinets, countertops, etc.

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Can we add a small kitchen to our basement so one of our children can use our downstairs as an apartment?
I’m interested in finishing my basement. It looks like I’ll need to cut into the load-bearing wall. Is a standard contractor authorized to do that or must that be done by a structural engineer?
When you apply for a permit, do you have to specify a timeline? How much does a permit cost?
Do we have to apply for a permit to finish our basement? I thought I saw that a contractor and an architect have to sign it off.