POSB Kampong Ubi Branch

Blk 301 Ubi Avenue 1 #01-257 Singapore 400301
301 Ubi Avenue 1 Singapore 400301 SG

POSB Bank (or simply referred to as POSB) is a Singaporean bank offering customer banking services and is the earliest bank in continuous operation in Singapore. Developed on January 1, 1877 as the Post Office Savings Bank, the bank now runs as part of DBS Bank, which obtained the organization and its subsidiaries on November 16, 1998.

Prior to its acquisition, the bank was a significant public bank offering low-priced banking services to Singaporeans. DBS Bank tries to continue this custom by guaranteeing to keep costs low for standard savings accounts, and to exempt kids, full-time students below the age of 21 years and full-time National Troop from bank charges.

Tips With regards to Obtaining Personal Loans In Singapore

So a DSR of 50% indicates your loan payments, plus repayments of any other loans you have, cannot surpass 50% of your income.Just for referral, most banks permit 40% DSR for a house, and 30% DSR for a vehicle.

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

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

A essential aspect is your DSR (Debt Servicing Ratio)when you take a bank loan for a car or house. This measures what percentage of your income can enter into paying back the real estate or vehicle loan, consisting of other overheads (e.g. repayment for other personal loans).

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

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