OCBC Marina Bay Financial Centre Branch

10 Marina Boulevard #01-04, Marina Bay Financial Centre Tower 2 Singapore 018983
8 Marina Boulevard Singapore 018981 SG

Oversea-Chinese Banking Corporation Limited, abbreviated as OCBC Bank, is a publicly listed monetary services organisation with its head workplace in Singapore. Openly listed, OCBC Bank’s largest shareholder is the Lee Group of Companies. OCBC was founded by Lee Kong Chian in 1932, and his boy Lee Seng Wee also acted as chairman. OCBC Bank has properties of more than 224 billion SGD. Based upon Bloomberg, in 2011 OCBC is the number one of the world’s greatest $100 billion assets banks

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

In 1932, 3 banks– Chinese Commercial Bank (1912), Ho Hong Bank (1917), and Oversea-Chinese Bank (1919), combined to form Oversea-Chinese Banking Corporation under the leadership of Tan Ean Kiam and Lee Kong Chian. In the subsequent decades, the bank expanded its operations and became the biggest bank in South East Asia.

Tips Regarding Getting Personal Loans In Singapore

So a DSR of 50% suggests your loan payments, plus repayments of other loans you have, cannot exceed 50% of your income.Just for reference, the majority of banks enable 40% DSR for a house, and 30% DSR for a cars and truck.

If you are planning to take a major loan, do not ever secure a individual loan from a bank a couple of months before the major loan. This will affect you.

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 procedure of the percentage of your routine earnings towards the repayment of your car or house loan.

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

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

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