UOB Northpoint Branch

930 Yishun Avenue 2 #01-41/42/43 Northpoint Shopping Centre Singapore 769098
930 Yishun Avenue 2 Singapore 769098 SG

United Overseas Bank Limited (typically known as UOB) is a Singaporean multinational banking organisation headquartered in Singapore on August 6, 1935, business person Wee Kheng Chiang, together with six other good friends, established the bank after raising S$ 1 million. In 1965, the bank was renamed to United Overseas Bank and opened its very first abroad branch in Hong Kong

Tips When it comes to Acquiring Personal Loans In Singapore

If you are planning to take a significant loan, do not ever secure a individual loan from a bank a few months before the significant loan. This will impact you.

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

In other words, a Debt Servicing Ratio of 50% indicates that all your debt obligation can not surpass 50% of your income. As a guide, most banks enable 40% Debt Servicing Ratio for a home and 30% for a auto loan

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

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

Most individual loans are unsecured. As in, there’s no collateral behind them. And since the releasing banks have no security, they’ll compensate by boosting interest rates.

That implies you need to never ever take a personal loan without understanding of precisely when and how you’ll pay it back.

Don’t utilize personal loans as alternative business loans. You ought to just take a personal loan to relieve cash flow problems

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