8 Somapah Road #01-103 Singapore 487372

DBS Bank Ltd is a global 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 embraced in July 2003 to demonstrate its changing role as a regional bank.The bank’s strong capital position, together with “AA-” and “Aa1” credit ratings by Standard & Poor’s and Moody’s that are among the top in the Asia-Pacific region, received it Global Finance’s “Safest Bank in Asia” accolade for six consecutive years, from 2009 to 2015. The Bank was also presented the Best Digital Bank in the World in the year 2016 by EuroMoney. With operations in 17 markets, the bank has a regional network covering more than 250 branches and over 1,100 ATMs across 50 cities.

Suggestion When it comes to Securing Personal Loans In Singapore

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

When you take a bank loan for a automobile or house, a key aspect is your DSR (Debt Servicing Ratio ). This determines exactly what percentage of your earnings can enter into repaying the housing or car loan, consisting of other overheads (e.g. payment for other personal loans).

In other words, a Debt Servicing Ratio of 50% indicates that your debt obligation can not exceed 50% of your earnings. As a guide, most banks enable 40% Debt Servicing Ratio for a house and 30% for a vehicle loan

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

In order to motivate you, specific loan bundles often have lower rates of interest. Personal loans tend to charge interest of about 6% to 8%, whereas particular loans (renovation loans, education loans, etc). have rates as low as 2%. Ask the banker to match a bundle to your needs.

Many personal loans are unsecured. As in, there’s no collateral behind them. And considering that the issuing banks have no security, they’ll compensate by jacking up rates of interest.

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

Do not use individual loans as alternative business loans. Do not use them to trade on Forex. Do not utilize them to buy high threat equities. You should just take a individual loan to ease capital concerns.

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211 NEW UPPER CHANGI ROAD SINGAPORE 460211 4.13 km
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228 CHANGI ROAD ICON@CHANGI SINGAPORE 419741 7.09 km
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185 TOA PAYOH CENTRAL SINGAPORE 310185 12.68 km
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