30 Tai Seng Street #01-01 Breadtalk IHQ Singapore 534013
30 Tai Seng Street Singapore 534013 SG

United Overseas Bank Limited (commonly known as UOB) is a Singaporean multinational banking organisation locateded in Singapore on August 6, 1935, business person Wee Kheng Chiang, together with six other pals, developed the bank after raising S$ 1 million. In 1965, the bank was renamed to United Overseas Bank and opened its very first abroad branch in Hong Kong

Advice When it comes to Taking Personal Loans In Singapore

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

A key aspect is your DSR (Debt Servicing Ratio)when you take a bank loan for a car or home. This measures exactly what portion of your earnings can go into paying back the real estate or vehicle loan, including other overheads (e.g. payment for other personal loans).

A DSR of 50% suggests your loan repayments, plus payments of any other loans you have, cannot go beyond 50% of your income.Just for referral, a lot of banks permit 40% DSR for a home, and 30% DSR for a vehicle.

Specific Loans Are Cheaper – Take out a particular loan where you take a renovation loan for your renovation requirements and a car loan for your car. It is not a good idea to secure a individual loan for your vehicle or renovation needs. When it concerns banks, specific loans’ interest rates are lower.

When it concerns personal 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 greater rate of interest for personal loans. Due to the nature of such individual loans, it is not recommended to take personal loans except for emergency scenarios.

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