UOB Main Branch

80 Raffles Place UOB Plaza 1 Singapore 048624
80 Raffles Place Singapore 048624 SG

United Overseas Bank Limited (frequently known as UOB) is a Singaporean multinational banking organisation headquartered in Singapore, with branches mostly found in the majority of Southeast Asian countries.UOB provides business and commercial banking services, individual financial services, private banking and other asset management services, as well as corporate financing, endeavor investment, insurance, and capital services. It has 68 branches in Singapore and a network of more than 500 offices in 19 nations and territories in Asia Pacific, Western Europe and North America

Idea Regarding Acquiring Personal Loans In Singapore

If you are preparing to take a significant loan, do never secure a personal loan from a bank a few months before the significant loan. This will affect you.

When you take a bank loan for a vehicle or house, a key aspect is your DSR (Debt Servicing Ratio ). This determines exactly what portion of your earnings can go into repaying the housing or vehicle loan, including other overheads (e.g. payment for other personal loans).

Simply puts, a Debt Servicing Ratio of 50% means that all your debt commitment can not go beyond 50% of your earnings. As a guide, a lot of banks allow 40% Debt Servicing Ratio for a house and 30% for a vehicle loan

Loans Get Cheaper As the Loan Gets More Specific – So when it comes to getting loans, be as particular as you can. Don’t take a personal loan to refurbish your house, not when there’s a renovation loan plan. Do not take a personal loan to spend for your education, when there’s an education loan plan.

In order to encourage you, specific loan bundles often have lower rates of interest. Personal loans have the tendency to charge interest of about 6% to 8%, whereas specific loans (renovation loans, education loans, etc). have rates as low as 2%. Ask the lender to match a bundle to your needs.

Most personal loans are unsecured. As in, there’s no collateral behind them. And given that the releasing banks have no security, they’ll compensate by jacking up rate of interest.

That means you should never take a personal loan without understanding of exactly when and how you’ll pay it back.

Do not utilize individual loans as alternative business loans. Do not utilize them to trade on Forex. Do not utilize them to purchase high risk equities. You need to just take a personal loan to ease cash flow issues

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