Blk 302 Ubi Ave 1 #01-59/ 63 Singapore 400302
302 Ubi Avenue 1 Singapore 400302 SG

Oversea-Chinese Banking Corporation Limited, abbreviated as OCBC Bank, is an openly listed monetary services organisation with its head office in Singapore. Openly listed, OCBC Bank’s biggest investor is the Lee Group of Business.

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

In 1932, three 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 years, the bank expanded its operations and became the biggest bank in South East Asia.

Advice With respect to Taking Personal Loans In Singapore

Never ever take personal loans two to three months prior to another significant loan. Simply puts, no individual loans if you’re meaning to buy a car, home, etc.

When you take a bank loan for a vehicle or house, a crucial factor is your DSR (Debt Servicing Ratio ). This measures exactly what percentage of your earnings can go into repaying the housing or vehicle loan, including other overheads (e.g. repayment for other individual loans).

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

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

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

Blk 301 Ubi Avenue 1 #01-257 Singapore 400301 0.15 km
Prior to its acquisition, the bank was a major public bank offering affordable banking services t...
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185 TOA PAYOH CENTRAL SINGAPORE 310185 5.66 km
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185 TOA PAYOH CENTRAL SINGAPORE 310185 5.66 km
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185 TOA PAYOH CENTRAL SINGAPORE 310185 5.66 km
We have been Singapore’s leading licensed and most trusted moneylender. We render an extens...
185 TOA PAYOH CENTRAL SINGAPORE 310185 5.66 km
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