33 Sengkang West Avenue #01-49/50/51/52/53 Seletar Mall Singapore 797653
33 Sengkang West Avenue Singapore 797653 SG

Based on January 1, 1877 as the Post Office Savings Bank (POSB), the bank became part of the Postal Services Department in the Straits Settlements and was set up by the colonial federal government to supply banking services for lower-income citizens.Headquartered in the General Post Office Structure, in Raffles Place, the bank was under the jurisdiction of the Postmaster-General, with bank policies managed by a group of trustees appointed by the Governor of the Straits Settlement. From 1877 to 1940, the bank had a constant growth of accounts opened increasing from 211 to 57,000 while overall deposits increased from 19,862 to 14.3 million Straits dollars throughout the exact same period.

Tips For Obtaining Personal Loans In Singapore

Never ever take individual loans 2 to 3 months before another significant loan. Simply puts, no individual loans if you’re intending to purchase a automobile, house, etc.

They are unsecured where you have nothing to back the loans if you can not repay the banks when it comes to individual loans. Such loans are riskier for the banks and they have a higher rate 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 circumstances.

If you are taking a loan from the bank for a home or car, it is very important to note your Debt Servicing Ratio which is a step of the portion of your routine income to the payment of your automobile or house 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 vehicle. It is not smart to secure a personal loan for your car or renovation requirements. When it pertains to banks, particular loans’ rates of interest are lower.

A DSR of 50% means your loan payments, plus repayments of any other loans you have, can’t surpass 50% of your income.Just for recommendation, many banks allow 40% DSR for a house, and 30% DSR for a automobile.

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