Blk 118 Rivervale Drive #01-21 Rivervale Plaza Singapore 540118
118 Rivervale Drive Singapore 540118 SG

Founded on January 1, 1877 as the Post Office Cost savings Bank (POSB), the bank was part of the Postal Services Department in the Straits Settlements and was set up by the colonial government to provide banking services for lower-income citizens.Following the end of World War II and the dissolvement of the Straits Settlement, the 1948 Cost savings Bank Ordinance came into result and in 1949, POSB was separated from the other post workplace savings banks in Malaya, with the bank’s liabilities and possessions divided in between Singapore and the Federated Malay States. After the separation from 1949 to 1955, total deposits of the bank increased from M$ 27.4 million to M$ 57.6 million and in 1951, the bank had its 100,000 th depositor.

Advice With regards to Acquiring Personal Loans In Singapore

Do not ever take out a individual loan from a bank a couple of months before the significant loan if you are preparing to take a major loan. This will affect you.

If you are taking a loan from the bank for a house or vehicle, it is essential to note your Debt Servicing Ratio which is a procedure of the percentage of your regular income to the payment of your automobile or home loan.

A DSR of 50% indicates your loan payments, plus payments of any other loans you have, can’t exceed 50% of your income.Just for recommendation, most banks enable 40% DSR for a home, and 30% DSR for a automobile.

Specific 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 individual loan for your cars and truck or renovation requirements. When it comes to banks, particular loans’ interest rates are lower.

When it comes to individual loans, they are unsecured where you have absolutely nothing to back the loans if you can not repay the banks. Such loans are riskier for the banks and they have a higher rates of interest for personal loans. Due to the nature of such personal loans, it is not recommended to take personal loans except for emergency situation situations.

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