OCBC Sun Plaza Branch

30 Sembawang Drive #02-05 Sun Plaza Singapore 757713
30 Sembawang Drive Singapore 757713 SG

Oversea-Chinese Banking Corporation Limited, abbreviated as OCBC Bank, is an openly listed financial services organisation with its head workplace in Singapore. Publicly listed, OCBC Bank’s largest shareholder is the Lee Group of Companies.

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

In 1932, three 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 years, the bank broadened its operations and ended up being the largest bank in South East Asia.

Advice With respect to Acquiring Personal Loans In Singapore

Specific Loans Are Cheaper – Take out a specific loan where you take a renovation loan for your renovation needs and a car loan for your cars and truck. It is not wise to secure a individual loan for your cars and truck or renovation requirements. When it pertains to banks, specific loans’ rates of interest are lower.

In other words, a Debt Servicing Ratio of 50% implies that your debt commitment can not surpass 50% of your earnings. As a guide, a lot of banks enable 40% Debt Servicing Ratio for a home and 30% for a vehicle loan

When it comes to individual 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 individual loans. Due to the nature of such personal loans, it is not suggested to take individual loans except for emergency situation situations.

If you are taking a loan from the bank for a home or automobile, it is important to note your Debt Servicing Ratio which is a step of the percentage of your regular earnings towards the repayment of your cars and truck or house loan.

If you are preparing to take a major loan, do not ever get a personal loan from a bank a few months prior to the significant loan. This will affect you.

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