23 Serangoon Central #B2-28/29 Singapore 556083
23 Serangoon Central Singapore 556083 SG

Oversea-Chinese Banking Corporation Limited, abbreviated as OCBC Bank, is an openly noted monetary services organisation with its head office in Singapore. Although openly noted, OCBC Bank’s largest shareholder is the Lee Group of Business. OCBC wased established by Lee Kong Chian in 1932, and his son Lee Seng Wee also acted as chairman. OCBC Bank has properties of more than 224 billion SGD. Based upon Bloomberg, in 2011 OCBC is the number one of the world’s strongest $100 billion possessions banks

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

In 1932, 3 banks– Chinese Commercial Bank (1912), Ho Hong Bank (1917), and Oversea-Chinese Bank (1919), combined to form Oversea-Chinese Banking Corporation under the management of Tan Ean Kiam and Lee Kong Chian. In the subsequent decades, the bank expanded its operations and became the largest bank in South East Asia.

Advice When it comes to Securing Personal Loans In Singapore

Never take individual loans 2 to 3 months prior to another major loan. Simply puts, no personal loans if you’re planning to purchase a automobile, home, etc.

If you are taking a loan from the bank for a house or car, it is necessary to note your Debt Servicing Ratio which is a procedure of the percentage of your routine earnings to the repayment of your automobile or home loan.

To puts it simply, a Debt Servicing Ratio of 50% means that your debt obligation can not go beyond 50% of your income. As a guide, the majority of banks enable 40% Debt Servicing Ratio for a home and 30% for a vehicle loan

Particular Loans Are Cheaper – Take out a particular loan where you take a renovation loan for your renovation requirements and a car loan for your automobile. It is not wise to secure a personal loan for your vehicle or renovation needs. When it pertains to banks, particular loans’ interest rates are lower.

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

23 Serangoon Central #01-52/53 nex Singapore 556083 0.08 km
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