Blk 201A Tampines Street 21 #01-1051 Singapore 521201
201B Tampines Street 21 Singapore 522201 SG

Based on January 1, 1877 as the Post Office Savings Bank (POSB), the bank belonged to the Postal Services Department in the Straits Settlements and was set up by the colonial government to offer banking services for lower-income citizens.Following completion of The second world war and the dissolvement of the Straits Settlement, the 1948 Savings Bank Regulation entered effect and in 1949, POSB was separated from the other post office savings banks in Malaya, with the bank’s liabilities and assets divided in between Singapore and the Federated Malay States. [4] 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.

Recommendation Regarding Securing Personal Loans In Singapore

Do not ever take out a individual loan from a bank a few months prior to the major loan if you are preparing to take a major loan. This will impact you.

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

Simply puts, a Debt Servicing Ratio of 50% means that all your debt obligation can not go beyond 50% of your earnings. As a guide, most banks permit 40% Debt Servicing Ratio for a house and 30% for a vehicle loan

Particular Loans Are Cheaper – Take out a specific loan where you take a renovation loan for your renovation requirements and a car loan for your automobile. It is not smart to secure a personal loan for your cars and truck or renovation needs. When it comes to banks, specific 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 individual loans. Such loans are riskier for the banks and they have a greater interest rate for individual loans. Due to the nature of such individual loans, it is not recommended to take personal loans except for emergency situation situations.

201D TAMPINES STREET 21 SINGAPORE 524201 0.15 km
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