1 Maritime Square #02-99/100 HarbourFront Centre Singapore 99253
1 Maritime Square Singapore 099253 SG

Oversea-Chinese Banking Corporation Limited, abbreviated as OCBC Bank, is an openly noted financial services organisation with its head office in Singapore. In 1932, three banks– Chinese Commercial Bank (1912), Ho Hong Bank (1917), and Oversea-Chinese Bank (1919), combined to form Oversea-Chinese Banking Corporation under the leadership of Tan Ean Kiam and Lee Kong Chian. In the subsequent years, the bank expanded its operations and became the largest bank in South East Asia.

OCBC’s Indonesia subsidiary, Bank OCBC NISP, has 630 branches and offices

In 1932, three banks– Chinese Commercial Bank (1912), Ho Hong Bank (1917), and Oversea-Chinese Bank (1919), combined to form Oversea-Chinese Banking Corporation under the management of Tan Ean Kiam and Lee Kong Chian. In the subsequent decades, the bank broadened its operations and became the largest bank in South East Asia.

Suggestion When it comes to Getting Personal Loans In Singapore

Never ever take individual loans two to three months before another major loan. To puts it simply, no individual loans if you’re intending to purchase a vehicle, house, etc.

If you are taking a loan from the bank for a home or vehicle, it is necessary to note your Debt Servicing Ratio which is a measure of the percentage of your regular income to the repayment of your car or house loan.

A DSR of 50% suggests your loan payments, plus payments of any other loans you have, can’t exceed 50% of your income.Just for referral, a lot of banks permit 40% DSR for a house, and 30% DSR for a car.

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

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

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