Blk 83 Marine Parade #01-584/586 Singapore 440083
83 Marine Parade Central Singapore 440083 SG

Founded on January 1, 1877 as the Post Office Savings Bank (POSB), the bank became part of the Postal Solutions Department in the Straits Settlements and was set up by the colonial federal government to offer banking services for lower-income citizens.Headquartered in the General Post Office Building, in Raffles Place, the bank was under the jurisdiction of the Postmaster-General, with bank policies supervised by a group of trustees appointed by the Governor of the Straits Settlement. From 1877 to 1940, the bank had a steady development of accounts opened increasing from 211 to 57,000 while total deposits increased from 19,862 to 14.3 million Straits dollars throughout the same period.

Tips With respect to Getting Personal Loans In Singapore

A essential factor is your DSR (Debt Servicing Ratio)when you take a bank loan for a automobile or home. This determines what portion of your income can go into repaying the real estate or auto loan, consisting of other overheads (e.g. payment for other personal loans).

A DSR of 50% indicates your loan payments, plus repayments of any other loans you have, can’t surpass 50% of your income.Just for referral, most banks enable 40% DSR for a home, and 30% DSR for a cars and truck.

When it concerns personal loans, they are unsecured where you have nothing to back the loans if you can not pay back 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 advisable to take personal loans except for emergency situation scenarios.

Specific Loans Are Cheaper – Take out a specific loan where you take a renovation loan for your renovation needs and a auto loan for your vehicle. It is not wise to take out a personal loan for your car or renovation needs. When it concerns banks, specific loans’ rates of interest are lower.

Do not ever take out a personal loan from a bank a couple of months prior to the significant loan if you are preparing to take a major loan. This will affect you.

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