1 Pasir Ris Central Street 3 #03-05 Singapore 518457
1 Pasir Ris Central Street 3 Singapore 518457 SG

Based on January 1, 1877 as the Post Office Savings Bank (POSB), the bank belonged to 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 Ordinance came into impact and in 1949, POSB was separated from the other post office savings banks in Malaya, with the bank’s possessions and liabilities divided in between Singapore and the Federated Malay States. [4] 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.

Idea With respect to Taking Personal Loans In Singapore

If you are preparing to take a significant loan, do not ever 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 vehicle or home, a essential factor is your DSR (Debt Servicing Ratio ). This measures what percentage of your earnings can enter into repaying the real estate or car loan, including other overheads (e.g. repayment for other individual loans).

To puts it simply, a Debt Servicing Ratio of 50% suggests that 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

Specific Loans Are Cheaper – Take out a particular loan where you take a renovation loan for your renovation needs and a auto loan for your car. It is not wise to get a personal loan for your cars and truck or renovation requirements. When it concerns banks, particular loans’ interest rates are lower.

They are unsecured where you have absolutely nothing to back the loans if you can not pay back the banks when it comes to personal loans. Such loans are riskier for the banks and they have a greater interest rate for individual loans. Due to the nature of such personal loans, it is not a good idea to take individual loans except for emergency situation scenarios.

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