OCBC Balestier Branch

360 Balestier Road #01-14/15 Shaw Plaza - Twin Heights Singapore 329783
360 Balestier Road Singapore 329783 SG

Oversea-Chinese Banking Corporation Limited, abbreviated as OCBC Bank, is an openly listed financial services organisation with its head office in Singapore. The “Oversea-Chinese” usage leads lots of to think mistakenly that the bank’s name is misspelled, but this is the correct traditional spelling. OCBC’s Indonesia subsidiary, Bank OCBC NISP, has 630 workplaces and branches

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

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

Advice For Getting Personal Loans In Singapore

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 cars and truck. It is not a good idea to secure a personal loan for your car or renovation needs. When it comes to banks, particular loans’ rates of interest are lower.

When it concerns individual 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 rates of interest for personal loans. Due to the nature of such individual loans, it is not advisable to take individual loans except for emergency circumstances.

Do not ever take out a personal loan from a bank a few months before the significant loan if you are planning to take a major loan. This will affect you.

In other words, a Debt Servicing Ratio of 50% suggests that your debt obligation can not surpass 50% of your income. As a guide, the majority of banks enable 40% Debt Servicing Ratio for a house and 30% for a auto loan

A crucial factor is your DSR (Debt Servicing Ratio)when you take a bank loan for a cars and truck or house. This measures what percentage of your income can go into paying back the housing or auto loan, consisting of other overheads (e.g. repayment for other individual loans).

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