Blk 960 Jurong West Street 92 #01-174 Singapore 640960
960 Jurong West Street 92 Singapore 640960 SG

Based on January 1, 1877 as the Post Office Savings Bank (POSB), the bank belonged to the Postal Services Department in the Straits Settlements and was established by the colonial government to offer banking services for lower-income citizens.Following the end of World War II and the dissolvement of the Straits Settlement, the 1948 Savings Bank Ordinance came into result and in 1949, POSB was separated from the other post office savings banks in Malaya, with the bank’s properties and liabilities split in between Singapore and the Federated Malay States. [4] After the separation from 1949 to 1955, total deposits of the bank increased from M$ 27.4 million to M$ 57.6 million and in 1951, the bank had its 100,000 th depositor.

Suggestion When it comes to Obtaining Personal Loans In Singapore

In other words, a Debt Servicing Ratio of 50% suggests that all your debt commitment can not go beyond 50% of your earnings. As a guide, a lot of banks enable 40% Debt Servicing Ratio for a house and 30% for a car loan

They are unsecured where you have nothing to back the loans if you can not repay the banks when it comes to personal loans. Such loans are riskier for the banks and they have a greater rates of interest for individual loans. Due to the nature of such individual loans, it is not a good idea to take personal loans except for emergency circumstances.

Never take individual loans 2 to 3 months prior to another major loan. In other words, no personal loans if you’re meaning to purchase a car, house, and so on.

A crucial aspect is your DSR (Debt Servicing Ratio)when you take a bank loan for a car or house. This measures what portion of your income can go into repaying the real estate or car loan, including other overheads (e.g. payment for other personal loans).

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

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