11 Collyer Quay, #02-25, The Arcade Singapore 049317
10 De Souza Street Singapore SG

DBS Bank Ltd is an international banking and financial services corporation headquartered in Marina Bay, Singapore. The company was known as The Development Bank of Singapore Limited, before the present name was adopted in July 2003 to mirror its transforming role as a regional bank.The bank’s strong capital position, along with “AA-” and “Aa1” credit ratings by Standard & Poor’s and Moody’s that are among the top-notch in the Asia-Pacific region, acquired it Global Finance’s “Safest Bank in Asia” accolade for six increasing years, from 2009 to 2015. The Bank was also awarded the Best Digital Bank in the World in the year 2016 by EuroMoney. With operations in 17 markets, the bank has a regional network spanning more than 250 branches and over 1,100 ATMs across 50 cities

Advice With regard to Getting Personal Loans In Singapore

If you are preparing to take a significant loan, do never get a personal loan from a bank a few months before the significant loan. This will impact you.

A crucial element is your DSR (Debt Servicing Ratio)when you take a bank loan for a automobile or house. This determines what portion of your earnings can enter into paying back the housing or car loan, including other overheads (e.g. repayment for other individual loans).

In other words, a Debt Servicing Ratio of 50% implies that all your debt obligation can not go beyond 50% of your income. As a guide, most banks permit 40% Debt Servicing Ratio for a home and 30% for a car loan

Loans Get Cheaper As the Loan Gets More Specific – So when it comes to getting loans, be as specific as you can. Don’t take a individual loan to remodel your house, not when there’s a renovation loan bundle. Do not take a personal loan to pay for your education, when there’s an education loan package.

In order to motivate you, specific loan bundles typically have lower rate of interest. Personal loans have the tendency to charge interest of about 6% to 8%, whereas particular loans (renovation loans, education loans, etc). have rates as low as 2%. Ask the lender to match a package to your requirements.

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

That means you must never take a personal loan without understanding of exactly when and how you’ll pay it back.

Do not utilize personal loans as alternative business loans. You must only take a individual loan to alleviate cash issues.

4.00 (1 review)
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