6 Potong Pasir Ave 2 #01-02, Potong Pasir Community Centre Singapore 358361
6 Potong Pasir Avenue 2 Singapore 358361 SG

POSB Bank (or simply 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 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 low-cost banking services to Singaporeans. DBS Bank tries to continue this tradition by guaranteeing to keep costs low for fundamental savings accounts, and to exempt kids, full-time students listed below the age of 21 years and full-time National Troop from bank charges.

Idea For Taking Personal Loans In Singapore

If you are preparing to take a significant loan, do not ever take out a personal loan from a bank a couple of months prior to the significant loan. This will affect you.

A crucial factor is your DSR (Debt Servicing Ratio)when you take a bank loan for a cars and truck or home. This determines what percentage of your earnings can go into paying back the real estate or vehicle loan, including other overheads (e.g. repayment for other personal loans).

So a DSR of 50% suggests your loan payments, plus payments of other loans you have, can’t go beyond 50% of your income.Just for recommendation, most banks allow 40% DSR for a home, and 30% DSR for a car.

Particular Loans Are Cheaper – Take out a particular loan where you take a renovation loan for your renovation needs and a car loan for your car. It is not a good idea to take out a individual loan for your vehicle or renovation needs. When it comes to banks, particular loans’ interest rates are lower.

They are unsecured where you have nothing to back the loans if you can not pay back the banks when it comes to personal loans. Such loans are riskier for the banks and they have a higher rate of interest for personal loans. Due to the nature of such personal loans, it is not a good idea to take individual loans except for emergency situation scenarios.

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