302 Tiong Bahru Road, Tiong Bahru Plaza #01-123/124 Singapore 168732
302 Tiong Bahru Road Singapore 168732 SG

POSB Bank (or merely referred to as POSB) is a Singaporean bank offering consumer banking services and is the oldest bank in continuous operation in Singapore. Developed on January 1, 1877 as the Post Office Savings Bank, the bank now runs as part of DBS Bank, which obtained the institution and its subsidiaries on November 16, 1998.

Prior to its acquisition, the bank was a significant public bank offering low-cost banking services to Singaporeans. DBS Bank attempts to continue this tradition by assuring to keep expenses low for fundamental savings accounts, and to exempt children, full-time students below the age of 21 years and full-time National Servicemen from bank charges.

Recommendation With regards to Obtaining Personal Loans In Singapore

Never ever take personal loans 2 to 3 months prior to another significant loan. Simply puts, no individual loans if you’re intending to buy a cars and truck, home, etc.

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

A DSR of 50% suggests your loan payments, plus payments of any other loans you have, cannot surpass 50% of your income.Just for reference, the majority of banks allow 40% DSR for a house, and 30% DSR for a automobile.

Loans Get Cheaper As the Loan Gets More Specific – So when it concerns getting loans, be as particular as you can. Do not take a personal loan to renovate your home, not when there’s a renovation loan package. Do not take a individual loan to pay for your education, when there’s an education loan plan.

In order to encourage you, particular loan plans typically have lower interest rates. Personal loans tend to charge interest of about 6% to 8%, whereas particular loans (renovation loans, education loans, etc).

Many personal loans are unsecured. As in, there’s no collateral behind them. And given that the providing banks have no security, they’ll compensate by boosting interest rates.

At any time you do not feel certain you’ll pay it back, that indicates you should never ever take a personal loan without knowledge of precisely.

Do not utilize personal loans as alternative business loans. Don’t use them to trade on Forex. Don’t use them to purchase high risk equities. You must only take a individual loan to ease capital problems.

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