2 Clementi West Street 2 #01-06 West Coast Community Centre Singapore 129605
2 Clementi West Street 2 Singapore 129605 SG

Established on January 1, 1877 as the Post Workplace Savings Bank (POSB), the bank was part of the Postal Provider Department in the Straits Settlements and was set up by the colonial federal government to supply banking services for lower-income citizens.Following the end of World War II and the dissolvement of the Straits Settlement, the 1948 Savings Bank Regulation came into result and in 1949, POSB was separated from the other post office savings banks in Malaya, with the bank’s liabilities and assets split 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.

Tips For Obtaining Personal Loans In Singapore

If you are planning to take a significant loan, do not ever get a personal loan from a bank a few months before the significant loan. This will impact you.

If you are taking a loan from the bank for a house or cars and truck, it is necessary to note your Debt Servicing Ratio which is a step of the portion of your regular earnings to the payment of your cars and truck or house loan.

So a DSR of 50% means your loan payments, plus payments of any other loans you have, cannot go beyond 50% of your income.Just for reference, a lot of banks permit 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 cars and truck. It is not smart to get a individual loan for your vehicle or renovation needs. When it pertains to banks, particular loans’ interest rates are lower.

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

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