3 Simei Street 6 #01-24/25/29 Eastpoint Mall Singapore 528833
3 Simei Street 6 Singapore 528833 SG

Prior to its acquisition, the bank was a significant public bank offering low-cost banking services to Singaporeans. DBS Bank tries to continue this custom by assuring to keep expenses low for fundamental savings accounts, and to exempt children, full-time trainees below the age of 21 years and full-time National Servicemen from bank charges.

 

POSB Bank (or simply called POSB) is a Singaporean bank offering consumer banking services and is the oldest bank in continuous operation in Singapore. Established on January 1, 1877 as the Post Office Savings Bank, the bank now operates as part of DBS Bank, which got the organization and its subsidiaries on November 16, 1998.

Advice With regards to Taking Personal Loans In Singapore

If you are taking a loan from the bank for a home or vehicle, it is very important to note your Debt Servicing Ratio which is a procedure of the portion of your regular income towards the repayment of your car or house loan.

Specific Loans Are Cheaper – Take out a specific loan where you take a renovation loan for your renovation requirements and a car loan for your automobile. It is not a good idea to take out a individual loan for your automobile or renovation requirements. When it comes to banks, particular loans’ rates of interest are lower.

In other words, a Debt Servicing Ratio of 50% indicates that your debt responsibility can not go beyond 50% of your income. As a guide, a lot of banks permit 40% Debt Servicing Ratio for a home and 30% for a car loan

When it concerns personal loans, they are unsecured where you have absolutely nothing to back the loans if you can not repay the banks. Such loans are riskier for the banks and they have a higher interest rate for individual loans. Due to the nature of such personal loans, it is not recommended to take individual loans except for emergency scenarios.

If you are preparing to take a significant loan, do never secure a personal loan from a bank a couple of months prior to the major loan. This will impact you.

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