POSB Zhenghua Branch

1 Segar Road #01-06 Zhenghua Community Club Singapore 677738
1 Segar Road Singapore 677738 SG

POSB Bank (or merely referred to as POSB) is a Singaporean bank offering consumer banking services and is the oldest bank in continuous operation in Singapore. Developed on January 1, 1877 as the Post Office Savings Bank, the bank now operates as part of DBS Bank, which obtained the organization and its subsidiaries on November 16, 1998.

Prior to its acquisition, the bank was a significant public bank offering low-priced banking services to Singaporeans. DBS Bank attempts to continue this custom by promising to keep expenses low for standard savings accounts, and to exempt children, full-time trainees listed below the age of 21 years and full-time National Servicemen from bank charges.

Idea With regard to Securing Personal Loans In Singapore

They are unsecured where you have absolutely nothing to back the loans if you can not repay the banks when it comes to personal loans. Such loans are riskier for the banks and they have a greater rate of interest for personal loans. Due to the nature of such individual loans, it is not recommended to take individual loans except for emergency circumstances.

Never take personal loans 2 to 3 months before another significant loan. To puts it simply, no individual loans if you’re meaning to buy a car, house, etc.

A crucial aspect is your DSR (Debt Servicing Ratio)when you take a bank loan for a automobile or home. This measures what percentage of your income can enter into repaying the real estate or vehicle loan, including other overheads (e.g. repayment for other individual loans).

Simply puts, a Debt Servicing Ratio of 50% indicates that your debt obligation can not go beyond 50% of your income. As a guide, most banks enable 40% Debt Servicing Ratio for a home and 30% for a car loan

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

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