149 Rochor Road #01-26 Fu Lu Shou Complex Singapore 188425
149 Rochor Road Singapore 188425 SG

United Overseas Bank Limited (frequently understood as UOB) is a Singaporean international banking organisation headquartered in Singapore on August 6, 1935, business owner Wee Kheng Chiang, together with 6 other good friends, developed the bank after raising S$ 1 million. In 1965, the bank was relabelled to United Overseas Bank and opened its first overseas branch in Hong Kong

Suggestion With regards to Securing Personal Loans In Singapore

Never ever take individual loans two to three months prior to another major loan. In other words, no personal loans if you’re planning to buy a vehicle, home, etc.

When you take a bank loan for a vehicle or home, a crucial element is your DSR (Debt Servicing Ratio ). This measures exactly what portion of your income can enter into repaying the housing or car loan, including other overheads (e.g. payment for other individual loans).

In other words, a Debt Servicing Ratio of 50% means that your debt obligation can not go beyond 50% of your income. As a guide, many banks allow 40% Debt Servicing Ratio for a home and 30% for a vehicle loan

Loans Get Cheaper As the Loan Gets More Specific – So when it comes 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 package. Don’t take a individual loan to pay for your education, when there’s an education loan plan.

In order to encourage you, particular loan bundles typically have lower rates of interest. Individual 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 banker to match a bundle to your needs.

A lot of personal loans are unsecured. As in, there’s no collateral behind them. And given that the releasing banks have no security, they’ll compensate by jacking up interest rates.

That implies you ought to never take a individual loan without understanding of precisely when and how you’ll pay it back.

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

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