1 Stadium Place #01-06/07 Singapore 397628
1 Stadium Place Singapore 397638 SG

DBS Bank Ltd is a multinational banking and financial services corporation headquartered in Marina Bay, Singapore. The corporation was referred to as The Development Bank of Singapore Limited, before the current name was adopted in July 2003 to reflect its transforming role as a regional bank.

The bank was put together by the Government of Singapore in July 1968 to take control of the industrial financing activities from the Economic Development Board. Today, its branches numbering greater than 100 can be found island-wide. DBS Bank is the biggest bank in South East Asia by assets and among the larger banks in Asia, with total assets of S$ 482 billion as at 31 Dec 2016. It has market-dominant positions in consumer banking, treasury and markets, asset management, securities brokerage, equity and debt fund-raising in Singapore and Hong Kong.

Idea With regards to Getting Personal Loans In Singapore

If you are preparing to take a major loan, do not ever get a individual loan from a bank a couple of months before the significant loan. This will affect you.

If you are taking a loan from the bank for a home or cars and truck, it is essential to note your Debt Servicing Ratio which is a measure of the portion of your routine earnings to the repayment of your car or home loan.

So 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 referral, a lot of 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 needs and a vehicle loan for your automobile. It is not wise to secure a personal loan for your cars and truck or renovation needs. When it concerns banks, particular loans’ rate of interest are lower.

They are unsecured where you have nothing to back the loans if you can not repay the banks when it comes to individual 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 individual loans, it is not advisable to take individual loans except for emergency situations.

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