Blk 960 Jurong West Street 92 #01-174 Singapore 640960
960 Jurong West Street 92 Singapore 640960 SG

POSB Bank (or simply known as POSB) is a Singaporean bank offering customer 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 runs as part of DBS Bank, which got the organization and its subsidiaries on November 16, 1998.

Prior to its acquisition, the bank was a major public bank offering affordable banking services to Singaporeans. DBS Bank attempts to continue this custom by guaranteeing to keep costs low for standard savings accounts, and to exempt children, full-time students below the age of 21 years and full-time National Servicemen from bank charges.

Suggestion For Securing Personal Loans In Singapore

Never ever take personal loans two to three months before another significant loan. To puts it simply, no individual loans if you’re intending to purchase a vehicle, home, and so on.

If you are taking a loan from the bank for a house or car, it is important to note your Debt Servicing Ratio which is a procedure of the percentage of your regular income towards the repayment of your car or house loan.

In other words, a Debt Servicing Ratio of 50% suggests that all your debt responsibility can not exceed 50% of your income. As a guide, the majority of banks enable 40% Debt Servicing Ratio for a house and 30% for a vehicle loan

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 individual loan to renovate your home, 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 motivate you, specific loan plans typically have lower rates of interest. Personal loans tend to charge interest of about 6% to 8%, whereas particular loans (renovation loans, education loans, etc). have rates as low as 2%. Ask the banker to match a package to your needs.

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

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

Don’t utilize individual loans as alternative business loans. You must only take a individual loan to relieve cash problems.

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711 ANG MO KIO AVENUE 8 SINGAPORE 560711 17.72 km
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