Blk 301 Ubi Avenue 1 #01-257 Singapore 400301
301 Ubi Avenue 1 Singapore 400301 SG

Prior to its acquisition, the bank was a major public bank offering affordable banking services to Singaporeans. DBS Bank attempts to continue this tradition by guaranteeing to keep costs low for basic savings accounts, and to exempt children, full-time students listed below the age of 21 years and full-time National Troop from bank charges.

 

POSB Bank (or merely referred to as POSB) is a Singaporean bank offering consumer banking services and is the earliest bank in continuous operation in Singapore. Developed on January 1, 1877 as the Post Office Savings Bank, the bank now runs as part of DBS Bank, which acquired the organization and its subsidiaries on November 16, 1998.

Advice With regard to Getting Personal Loans In Singapore

If you are taking a loan from the bank for a house or cars and truck, it is necessary to note your Debt Servicing Ratio which is a measure of the percentage of your regular income to the payment of your vehicle or house loan.

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

In other words, a Debt Servicing Ratio of 50% indicates that your debt obligation can not surpass 50% of your earnings. As a guide, a lot of banks permit 40% Debt Servicing Ratio for a house and 30% for a vehicle loan

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

Do not ever take out a individual loan from a bank a few months before the major loan if you are planning to take a significant loan. This will affect you.

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