POSB Potong Pasir Branch

6 Potong Pasir Ave 2 #01-02, Potong Pasir Community Centre Singapore 358361

Based 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 federal government to supply banking services for lower-income citizens.Headquartered in the General Post Office Structure, in Raffles Location, the bank was under the jurisdiction of the Postmaster-General, with bank policies supervised by a group of trustees designated by the Guv of the Straits Settlement. From 1877 to 1940, the bank had a constant growth of accounts opened increasing from 211 to 57,000 while total deposits increased from 19,862 to 14.3 million Straits dollars throughout the exact same period.

Suggestion With regard to Acquiring Personal Loans In Singapore

Specific Loans Are Cheaper – Take out a particular loan where you take a renovation loan for your renovation needs and a car loan for your automobile. It is not smart to get a personal loan for your cars and truck or renovation needs. When it comes to banks, particular loans’ interest rates are lower.

If you are planning to take a significant loan, do never secure a personal loan from a bank a couple of months before the major loan. This will impact you.

If you are taking a loan from the bank for a home or automobile, it is necessary to note your Debt Servicing Ratio which is a step of the portion of your regular earnings towards the payment of your car or home loan.

So a DSR of 50% suggests your loan payments, plus payments of any other loans you have, cannot surpass 50% of your income.Just for referral, the majority of banks permit 40% DSR for a home, and 30% DSR for a cars and truck.

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

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