Blk 43 Holland Drive #01-53 Singapore 270043
43 Holland Drive Singapore 270043 SG

POSB Bank (or merely referred to as POSB) is a Singaporean bank offering customer 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 runs as part of DBS Bank, which got the institution 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 custom by promising to keep expenses low for fundamental savings accounts, and to exempt children, full-time students listed below the age of 21 years and full-time National Servicemen from bank charges.

Advice With regards to Getting Personal Loans In Singapore

Never ever take individual loans two to three months before another significant loan. In other words, no individual loans if you’re intending to buy a cars and truck, home, etc.

If you are taking a loan from the bank for a house or car, it is very important to note your Debt Servicing Ratio which is a measure of the percentage of your regular earnings to the payment of your car or home loan.

A DSR of 50% implies your loan repayments, plus repayments of any other loans you have, can’t go beyond 50% of your income.Just for reference, a lot of banks permit 40% DSR for a home, and 30% DSR for a cars and truck.

Loans Get Cheaper As the Loan Gets More Specific – So when it pertains to getting loans, be as specific as you can. Do not take a individual loan to renovate your house, not when there’s a renovation loan bundle. Don’t take a personal loan to spend for your education, when there’s an education loan bundle.

In order to encourage you, particular loan packages frequently have lower rate of interest. Personal loans tend to charge interest of about 6% to 8%, whereas specific loans (renovation loans, education loans, etc). have rates as low as 2%. Ask the lender to match a package to your needs.

The majority of individual loans are unsecured. As in, there’s no collateral behind them. And since the releasing banks have no security, they’ll compensate by boosting rate of interest.

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

Don’t utilize individual loans as alternative business loans. You must only take a personal loan to alleviate flow issues.

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