1 MARITIME Square #02-122/123 Harbourfront Centre Singapore 099253
1 Maritime Square Singapore 099253 SG

DBS Bank Ltd is a multinational banking and financial services corporation headquartered in Marina Bay, Singapore. Established on 16 July 1968 by the Government of Singapore to take over the industrial financing activities from the Economic Development Board, the bank’s foremost purpose was to provide loans and financial aid to the manufacturing and processing industries and in order to help establish and upgrade existing industries in Singapore. In 1960, the Singapore government invited a United Nations (UN) industrial survey mission to assess the economical situation in Singapore and to come up with an industrialisation programme for the city.The plan included setting up a development bank, together with an economic body to attract foreign investments and provide financing and managing the industrial estates. The bank was incorporated in July 1968 and began operations in September of the same year

Tips Regarding Getting Personal Loans In Singapore

Never take personal loans two to three months prior to another major loan. In other words, no individual loans if you’re intending to buy a automobile, house, etc.

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

In other words, a Debt Servicing Ratio of 50% suggests that all your debt responsibility can not exceed 50% of your earnings. As a guide, most banks enable 40% Debt Servicing Ratio for a home and 30% for a auto loan

Loans Get Cheaper As the Loan Gets More Specific – So when it concerns getting loans, be as specific as you can. Don’t take a individual loan to refurbish your home, not when there’s a renovation loan package. Don’t take a personal loan to pay for your education, when there’s an education loan plan.

In order to motivate you, particular loan packages typically have lower rates of interest. Individual loans have the tendency to charge interest of about 6% to 8%, whereas particular loans (renovation loans, education loans, etc). have rates as low as 2%. Ask the banker to match a plan to your requirements.

A lot of personal loans are unsecured. As in, there’s no security behind them. And given that the providing banks have no security, they’ll compensate by jacking up rates of interest.

That means you ought to never take a personal loan without understanding of exactly when and how you’ll pay it back.

Don’t use personal loans as alternative business loans. You should only take a personal loan to alleviate flow problems.

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