Blk 303 Woodlands Street 31 #01-191 Singapore 730303

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

Prior to its acquisition, the bank was a significant public bank offering low-cost banking services to Singaporeans. DBS Bank tries to continue this tradition by assuring to keep costs low for basic savings accounts, and to exempt kids, full-time students listed below the age of 21 years and full-time National Servicemen from bank charges.

Tips With regard to Obtaining Personal Loans In Singapore

Many individual loans are unsecured. As in, there’s no security behind them. And considering that the providing banks have no security, they’ll compensate by jacking up interest rates.

That suggests you should never ever take a personal loan without knowledge of exactly when and how you’ll pay it back.

Don’t utilize personal loans as alternative business loans. You must just take a personal loan to ease cash flow issues

A essential element is your DSR (Debt Servicing Ratio)when you take a bank loan for a automobile or home. This determines exactly what percentage of your earnings can enter into paying back the housing or vehicle loan, including other overheads (e.g. payment for other personal loans).

Loans Get Cheaper As the Loan Gets More Specific – So when it concerns getting loans, be as specific as you can. Do not take a personal loan to remodel your house, not when there’s a renovation loan plan. Do not take a personal loan to pay for your education, when there’s an education loan bundle.

In order to motivate you, specific loan packages typically have lower rate of interest. Individual loans have the tendency to charge interest of about 6% to 8%, whereas particular loans (renovation loans, education loans, etc). have rates as low as 2%. Ask the lender to match a plan to your needs.

To puts it simply, a Debt Servicing Ratio of 50% suggests that your debt responsibility can not go beyond 50% of your income. As a guide, a lot of banks allow 40% Debt Servicing Ratio for a home and 30% for a vehicle loan

If you are preparing to take a major loan, do never get a individual loan from a bank a few months before the significant loan. This will affect you.

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