Blk 205 Hougang Street 21 #03-00 Heartland Mall Singapore 530205
205 Hougang Street 21 Singapore 530205 SG

Founded on January 1, 1877 as the Post Office Savings Bank (POSB), the bank was part of the Postal Solutions Department in the Straits Settlements and was set up by the colonial 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 Cost savings Bank Regulation came into result and in 1949, POSB was separated from the other post workplace savings banks in Malaya, with the bank’s properties and liabilities divided in between Singapore and the Federated Malay States. 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.

Tips With regards to Getting Personal Loans In Singapore

When it comes to individual loans, they are unsecured where you have nothing to back the loans if you can not pay back the banks. Such loans are riskier for the banks and they have a higher rates of interest for personal loans. Due to the nature of such individual loans, it is not a good idea to take personal loans except for emergency situation circumstances.

If you are taking a loan from the bank for a house or car, it is very important to note your Debt Servicing Ratio which is a step of the portion of your routine earnings to the repayment of your car or home loan.

Specific Loans Are Cheaper – Take out a specific loan where you take a renovation loan for your renovation needs and a car loan for your cars and truck. It is not smart to secure a personal loan for your automobile or renovation needs. When it concerns banks, specific loans’ rates of interest are lower.

A DSR of 50% suggests your loan repayments, plus repayments of any other loans you have, cannot go beyond 50% of your income.Just for reference, a lot of banks allow 40% DSR for a home, and 30% DSR for a cars and truck.

Never take individual loans two to three months before another major loan. Simply puts, no individual loans if you’re planning to buy a cars and truck, home, etc.

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