Blk 213 Bedok North Street 1 #01-103 Singapore 460213
213 Bedok North Street 1 Singapore 460213 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 federal government to offer banking services for lower-income citizens.Headquartered in the General Post Office Building, in Raffles Location, the bank was under the jurisdiction of the Postmaster-General, with bank policies overseen by a group of trustees designated by the Guv of the Straits Settlement. From 1877 to 1940, the bank had a constant growth of accounts opened increasing from 211 to 57,000 while total deposits increased from 19,862 to 14.3 million Straits dollars throughout the exact same period.

Recommendation When it comes to Getting Personal Loans In Singapore

Never take personal loans two to three months before another major loan. In other words, no personal loans if you’re intending to buy a car, house, and so on.

If you are taking a loan from the bank for a home or automobile, it is very important to note your Debt Servicing Ratio which is a procedure of the portion of your routine income to the repayment of your car or home loan.

Simply puts, a Debt Servicing Ratio of 50% implies that your debt responsibility can not exceed 50% of your income. As a guide, a lot of banks permit 40% Debt Servicing Ratio for a home and 30% for a auto loan

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

When it comes to individual 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 personal loans, it is not advisable to take individual loans except for emergency situations.

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