1 Maritime Square #02-99/100 HarbourFront Centre Singapore 99253
1 Maritime Square Singapore 099253 SG

Oversea-Chinese Banking Corporation Limited, abbreviated as OCBC Bank, is an openly listed financial services organisation with its head office in Singapore. Although openly listed, OCBC Bank’s largest investor is the Lee Group of Business. OCBC wased established by Lee Kong Chian in 1932, and his son Lee Seng Wee likewise functioned as chairman. OCBC Bank has assets of more than 224 billion SGD. Based on Bloomberg, in 2011 OCBC is the primary of the world’s strongest $100 billion assets banks

OCBC’s Indonesia subsidiary, Bank OCBC NISP, has 630 branches and workplaces

In 1932, three banks– Chinese Commercial Bank (1912), Ho Hong Bank (1917), and Oversea-Chinese Bank (1919), merged to form Oversea-Chinese Banking Corporation under the leadership of Tan Ean Kiam and Lee Kong Chian. In the subsequent decades, the bank expanded its operations and ended up being the biggest bank in South East Asia.

Recommendation With regard to Obtaining Personal Loans In Singapore

Never ever take personal loans two to three months before another major loan. In other words, no individual loans if you’re planning to purchase a car, home, etc.

If you are taking a loan from the bank for a house or vehicle, it is essential to note your Debt Servicing Ratio which is a step of the portion of your regular income to the payment of your automobile or home loan.

A DSR of 50% implies your loan payments, plus repayments of any other loans you have, can’t surpass 50% of your income.Just for recommendation, many banks enable 40% DSR for a home, and 30% DSR for a automobile.

Particular Loans Are Cheaper – Take out a particular loan where you take a renovation loan for your renovation requirements and a vehicle loan for your vehicle. It is not smart to take out a individual loan for your cars and truck or renovation needs. When it comes to banks, specific loans’ interest rates are lower.

When it comes to individual 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 rate of interest for individual loans. Due to the nature of such personal loans, it is not advisable to take individual loans except for emergency scenarios.

1 MARITIME Square #02-122/123 Harbourfront Centre Singapore 099253 0 km
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