POSB Bukit Batok West Branch

Blk 153 Bukit Batok West Street 11 #01-290/292 Singapore 650153
153 Bukit Batok Street 11 Singapore 650153 SG

Founded 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 established by the colonial government to provide banking services for lower-income citizens.Following the end of The second world war and the dissolvement of the Straits Settlement, the 1948 Savings Bank Regulation entered into result and in 1949, POSB was separated from the other post office savings banks in Malaya, with the bank’s assets and liabilities divided 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.

Recommendation With respect to Acquiring Personal Loans In Singapore

If you are taking a loan from the bank for a home or automobile, it is important to note your Debt Servicing Ratio which is a step of the percentage of your routine earnings towards the payment of your automobile or house loan.

Never take individual loans two to three months prior to another significant loan. To puts it simply, no personal loans if you’re planning to buy a car, house, etc.

When it comes to individual loans, they are unsecured where you have absolutely nothing to back the loans if you can not pay back the banks. Such loans are riskier for the banks and they have a greater interest rate for individual loans. Due to the nature of such individual loans, it is not advisable to take individual loans except for emergency situations.

So a DSR of 50% means your loan payments, plus payments of other loans you have, cannot surpass 50% of your income.Just for recommendation, many banks enable 40% DSR for a home, and 30% DSR for a cars and truck.

Specific Loans Are Cheaper – Take out a particular loan where you take a renovation loan for your renovation requirements and a auto loan for your cars and truck. It is not smart to secure a individual loan for your vehicle or renovation requirements. When it pertains to banks, specific loans’ interest rates are lower.

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