Blk 205 Hougang Street 21 #03-00 Heartland Mall Singapore 530205
205 Hougang Street 21 Singapore 530205 SG

POSB Bank (or merely known as POSB) is a Singaporean bank offering consumer banking services and is the earliest bank in constant 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 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 tradition by assuring to keep costs low for fundamental savings accounts, and to exempt kids, full-time students below the age of 21 years and full-time National Servicemen from bank charges.

Tips For Acquiring Personal Loans In Singapore

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

When you take a bank loan for a cars and truck or home, a crucial factor is your DSR (Debt Servicing Ratio ). This measures what portion of your earnings can go into repaying the housing or vehicle loan, consisting of other overheads (e.g. repayment for other personal loans).

In other words, a Debt Servicing Ratio of 50% implies that your debt commitment can not surpass 50% of your income. As a guide, most banks enable 40% Debt Servicing Ratio for a house and 30% for a car loan

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

In order to encourage you, particular loan packages typically have lower rates 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 requirements.

Most individual loans are unsecured. As in, there’s no collateral behind them. And given that the providing banks have no security, they’ll compensate by jacking up rate of interest.

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

Don’t use personal loans as alternative business loans. You must only take a individual loan to alleviate cash problems.

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705 ANG MO KIO AVENUE 8 SINGAPORE 560705 4.36 km
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279 BALESTIER ROAD BALESTIER POINT SINGAPORE 329727 5.51 km
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