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Best Home Loans

What Is A Home Loan?

A home loan is financing service offered by a bank or credit union for the purpose of purchasing or building a property. Such loans are secured against the said property in that the bank holds the title of the house until the mortgage is in effect and reserves the right to sell the property if the borrower fails to make payments.

Careful consideration of loan size, maturity period, interest rate, and monthly installments should be taken into account by the borrower before taking up a new home loan.

If you already have an existing home loan and wish to switch to another home loan or lender without moving home, you may consider the option of refinancing.

How Do Home Loans In Singapore Work?

Banks in Singapore offer two types of home loans; namely fixed interest rate home loan and floating interest rate home loan. Fixed Interest Rate Home Loan:

A fixed interest rate home loan has a predictable monthly repayment schedule throughout the loan tenure as rates are not affected by fluctuations in Board Rates or SIBOR. Interest rates are calculated based on the cost of acquiring the funds to lend to plus an interest premium imposed by the bank.

Floating Interest Rate Home Loan

There are two variants of floating interest rate home loans offered by banks in Singapore; the first being a variable interest rate home loan whereby interest rates are calculated based on the bank’s Board Rate minus a discount stipulated in the Letter of Offer.

The second variant of floating interest rate home loan is one with an interest rate that fluctuates in tandem to changes to the Singapore Interbank Offered Rate (SIBOR). These loans uses a 1 month or 3 months SIBOR rate as a benchmark to determine the final interest rate charged to customers.

Floating interest rate packages are suitable for buyers who want to capitalize on the current low interest rates but also open themselves to the risk that market interest rates may increase in the future.

How To Use A Housing Loan Calculator?

Visit our website at iMoney Singapore and use our home loan calculator to find and compare the best rates for the loan amount you want. Simply enter your desired loan amount and loan tenure and the calculator will furnish you with the best rates in the market, lock-in period, and a breakdown of monthly payments for the first year and following rates in the respected bank pages. With these information, you can make decision as to which bank(s) to apply to as well as adjusting your budget.

What Is The Loan Application Process?

The first step to apply for a home loan in Singapore is to approach a bank to perform your Loan Eligibility Check (AIP) which will give you a clearer idea as to whether you are eligible for a loan.

Upon application, the bank will perform the following due diligence which will determine whether your loan application is approved or rejected:

• Credit assessment check using proof of regular income (can be in the form of Income Tax Notice of Assessment, a latest computerized payslip,or a12-month CPF contribution statement)

• Credit Bureau(Singapore) check. The objective of this check is to determine whether you have a history of good credit card payments, any existing loans, and if you are a discharged bankrupt.

How Do Banks Assess My Eligibility?

In the process to determine whether to approve or reject your loan application, the bank will perform assessments using the following two criteria:

1. Financial Commitment to Income ratio

This ratio is used to evaluate your ability to repay debt obligations by dividing your total monthly debt obligation with your total monthly gross income. As a general rule, your total financial commitment per month must not exceed 60% of your total household income.

2. Loan-to-Value(LTV) ratio

This ratio expresses the ratio of a loan to the value of the property purchased in the form of a percentage. It is affected by several factors such as the loan tenure, age of borrower, and the existence of other outstanding housing loans in the name of the borrower. Generally to the bank, the higher the LTV ratio the riskier it is to lend money to the borrower. In Singapore, the maximum LTV ratio a borrower can possess before his or her loan application is rejected is 80%.

What Else Should I Know about Home Loans?

1. Monthly Installment As a general rule, your monthly long-term repayment commitment must not exceed 40% of your monthly income. 2. Disbursement of Loan

• For completed properties: The loan will generally be disbursed in one lump sum when you take over the property.

• For uncompleted properties: The loan is disbursed in stages depending upon the stage of construction of the property.

3. Loan Tenure Banks usually grant loans up to a maximum tenure of 35 years subject to the condition that you must not exceed the age of 70 years old at the end of the loan tenure. 4. Interest Rate Interest rate on loans vary according to the type of property and the type of home loan package a borrower takes up.

Should I Opt For Refinancing?

Refinancing your home is a good option when interest rates favour the home buyer. By refinancing, you as a borrower can redeem your existing home loan by taking up a new home loan at a lower interest rate.

Before you decide to refinance, it is important to weigh the costs of exiting your existing home loan against the potential benefits of your new loan. Do expect to incur these following fees and penalties when you go for refinancing:

• Prepayment Penalty: A penalty imposed by the bank for settling your home loan in full before the stipulated contract period (i.e. loan tenure).

• Legal Fee: The cost for legal services to draw up property purchase and mortgage documentation.

• Availed Cash Rebate: Recovery of any cash rebates that has granted to you upon taking up your existing home loan.

• Property Valuation Fee: The costs to evaluate the current value of your property to determine the maximum amount you can borrow from refinancing.

• Loan Cancellation Fee: Also known as an exit fee that is imposed by your current bank when you redeem your existing home loan.

• Fire Insurance Policy: When you refinance, you are required to terminate your existing fire insurance policy that is tied to your current home loan and will have to take up a new one with the bank that is providing you with a new home loan.

• The Interest Cost of Refinancing: You are required to give your current bank three months written notice of your intention to fully settle your existing home loan or pay a sum equivalent to three months interest in lieu of such notice.



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EasyCredit – Your Reliable and Trusted Directory for Singapore s Licensed Money Lenders and Personal Loan

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Only 21 years old and above is eligible for loan application.

To preserve the confidentiality of all information you provide to us we maintain the following Privacy Principles.

We only collect personal information that we believe to be relevant and required to understand your financial needs.

By clicking “Submit” and providing your personal data, you consent to Credit Hub Capital contacting you via the telephone and email for the loan application purpose.

We will only use any information collected as minimally as possible, mainly to assist us in customising and delivering loan packages that are of interest to our customers.

We will not make unsolicited requests for customer information through email or the telephone, unless customers initiate contact with us.

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Credit Hub Capital will not use or disclose information collected from you other than for the purpose made known to you, authorised by you or required by the Law.

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The Important Role Played By Personal Loan Givers

If you have had the unfortunate incident of having a leading bank deny you a personal loan , you know how heartbreaking this can be. It gets worse when your credit history is poor and yet you are in the middle of a crisis. There is a reprieve non-bank lenders. These are individuals or medium sized enterprises that operate on the fringes of the banking sector. They are licensed to offer similar services but you may have to pay slightly more. Considering the assistance you will get from such money lenders, they are important people in the industry.

Consider this; you do not qualify to get a personal loan. Banks have turned you away. Don’t you think anyone who comes to your assistance is worth of your consideration? The lenders will ask to see your credit report in order to understand things like bankruptcies, debt payment failures and missed payments. If you opt to present some assets as collateral, they will do an assessment to ascertain whether the assets meet the minimum requirement. Money lenders help you to make sound decisions.

Personal loan lenders also present you with a perfect chance to repair your already dented borrowing image. By borrowing a series of small loans and repaying them, your credit rating starts improving. Before you decide to borrow money, take time to go through the loan’s fee structure. Review all the terms as well as the interest rates. You should compare at least three different lenders. Always insist on being provided with a copy of written borrowing and lending terms. Read them carefully in order to understand what you are getting into. By following this advice, you will never go wrong on borrowing money.

Did you know that some personal loan lenders charge penalties for repaying the loan early? Well, find out if this is going to affect you. It is also wise to inquire whether you can increase the monthly payment once your financial status improves. Work with those lenders who provide clear and accurate details on the loan you are just about to sign for. Money lenders who specialize in unsecured loans serve an important role. So long as you can show commitment, they will be able to get you out of financial misery. Goodwill on your part will see you benefit a lot from personal loans. Always remember to be prompt on your payment. In case you land into difficulties, alert the lender in good time.

Reasons Why You Should Consider Taking a Loan from a Moneylender in Singapore today

There are times in life when no matter how hard you have worked, you are short of cash. Issues such as medical emergencies are a common occurrence requiring the need to acquire a loan from a Singapore moneylender. The economic crisis has led to the increase of money lending institutions so that people receive all the assistance that they need to meet their financial obligations.  That is why moneylenders are quite popular.

Moneylenders can run single or joint enterprises depending on their target customers. As an institution, they are able to offer all kinds of loans to people who earn a salary and even to multinational corporations. This means that the lenders are not biased and offer services to everyone in Singapore.

One of the reasons why a licensed moneylender is very popular in Singapore is because it offers loans in the shortest time possible. You can apply for a loan today and in twenty four hours, receive the money in your bank account. The best thing about moneylenders is the fact that you can apply for the loan on the internet, in the comfort of your home and receive it the next day. Other reasons why these lenders are popular include:

Licensed: Working with a licensed moneylender guarantees you that it is registered with the government and given the mandate to offer financial services to you. Additionally, its services are a guarantee to be professional and can be trusted. It is easy to prove whether moneylenders are licensed as they put the license on top of their website for their clients to see.

Loans for people with bad credit: Most financial institutions do not offer loans to people with bad credit because of their poor credit history. A moneylender is willing to take the risk to assist these people so that they can meet their financial needs and also repay their debts.

Attractive interest rates: Moneylenders offer the best interest rates in the market. The client has the option to choose a moneylender whose interest rates are affordable. You are also able to calculate the amount of money that you will return with the interest on the website. This allows you to know the money that you will return at the end of the credit period.

Flexible repayment periods: A moneylender is always willing to assist clients in becoming financially stable. That is why it offers loans to people taking into considerion the time that they will be comfortable to repay it. This assists the borrowers in planning their finances.



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We are a registered and established loan company in Singapore.

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    In reality, it is a matter of fact that people may need medical attention, especially if they got involved in an accident. Since the professional fees of doctors can be expensive, coupled with medications and perhaps laboratory exams and therapy, an average individual might find himself/herself in a financial situation.

    In these cases, one resorts to borrowing. One can borrow from relatives or friends, often without interest. If there are no relatives and friends who can give the desired amount, there are always financial institutions that offer personal loans. Personal loans are products in the form of money. They are given specifically for personal use, like medical emergencies.

    One pays for the use of the product by paying an interest on the borrowed amount. If a large amount is involved, repayment of the borrowed money can run for several months at regular intervals. Repayment schemes can vary, depending on the amount borrowed. There are establishments that give a rebate if the borrower pays before its due date. Rebates are also gained if the full amount borrowed is paid in full instead of installments. During these occasions, the borrower may be able to save from having to pay a large amount in interests.



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    What is Personal Loan?

    A personal loan is an unsecured loan that is issued to individuals for a short period. Their repayment time typically varies from two to seven years years based upon fixed or flexible monthly instalments. It can be utilised for different purposes for e.g. purchasing an air ticket, extra funds for a wedding or even to pay up the huge amount of credit card bills. The banks usually do not require any kind of security for advancing these loans, yet there may be exceptions.

    What Do I Need to Know About Personal Loan?

    The age limit of the applicants may vary between 21 to 65 years where 65 is the limit where the loan period would end. Personal loans are usually given both to Singaporean citizens or permanent residents. The typical income requirements is S$30,000 per annum, however, those with annual income below S$30,000 may also be able to acquire one but with a slightly higher interest rate.

    Some banks also advance personal loans to foreigners having working permit follow with a higher minimum income requirement, typically around S$60,000 per annum.

    The borrower can acquire an amount up to 6 times of his/her monthly salary in Singapore. Individuals with a higher annual salary like $100,000 or above may be able to ask for a higher financing amount.

    The repayment of a fixed personal loan is required to be made on monthly basis. On the other hand, flexible personal loan requires the borrower to repay at least the minimum payment that is stated in the offer letter. A late payment penalty will be charged if you are unable to make the payment within the predetermined time frame. The amount of this penalty may vary for different banks.

    You will also expect charges like processing and insurance fees etc. Most of the banks offer same day approval for loan applications, though it is still vary from bank to bank.

    Guidelines For Acquiring A Personal Loan

    The following tips can be useful for the first time applicants of personal loan in Singapore:

    These following documents need to be prepared prior to the loan application, i.e.

    • Photocopy of NRIC
    • Proof of Income or;
    • CPF Contribution Statement or;
    • Latest Income Tax Notice of Assessment (NOA)
    • Passport & Employment Pass (for foreigners)

    Personal loan which is advanced without collateral usually comes with a higher interest rate. Hence, think carefully as to whether or not you would use a collateral to acquire for one.

    Select a financial institution that can provide you flexible repayment options if you can as this will help you in an easy and quick repayment of your loan.

    Personal Loan and iMoney

    When you have so many choices around you, it becomes difficult to select the right one. iMoney has solved your problem by offering you a comparison of personal loans available in Singapore to help you to choose the one that can cater to your needs.

    Before you apply for a personal loan with us, we recommend you to check your Debt Servicing Ratio which calculates your total monthly repayments as a percentage of your monthly income. The ideal ratio must not exceed 50% in order to keep your financial status healthy. Once you have considered these important aspects, you can start applying with us with just a few clicks, and most importantly this service is completely free to use!



    Personal Loan on Your Credit Card or Ready Credit – Citibank Singapore #unsecured #loans #bad #credit


    #instant personal loans
    #

    Personal Loan on your Credit Card or Ready Credit:

    • Get your loan approved in an hour by speaking to us at our branch .
    • Or call our CitiPhone Hotline at 6225 5225

    Eligibility & Document Required

    Valid for customers with minimum annual income of S$30,000.

    For applicants with annual income of between S$20,000 to Past 12 month’s CPF statement submitted via CPF web-link

    Citibank SMRT Platinum Visa Card

    Yes, I would like to opt for Electronic Statement (optional)

    I confirm that I:

      Am applying for Citibank Ready Credit;
    • Have provided accurate and complete details about myself in this form;
    • Agree to the terms of Customer Declarations & Confirmation;

    Consent to the Citibank Singapore Limited contacting me for marketing of Citibank products and services including via the telephone.

    Consent to the Citibank Singapore Limited contacting me for marketing of Citibank products and services including via the telephone. You can find more information about >” href=”javascript:;”>Privacy here

    Upon submission, our Customer Service Officer will contact you within 24 hours or the next business day.



    Housing Loan Singapore #consolidate #debt


    #compare home loan rates
    #

    Mobile Homepage

    FREE Housing Loan Analysis

    Our services are FREE to you as we are compensate separately by the lenders.

    Apply For A Housing Loan Through Us

    If you wonder why you will require our services to assist you to get a housing loan, here is a small introductory list of the value we bring to you

    Instead of physically going to all the local and foreign banks yourself to enquire about your housing loan for purchase or refinacne, we compile all the information for you. You can sit back and go about your daily activities while we handle the hassle of home loan hunting for you.

    2) No pressure hard selling of home loans

    When you go to a housing loan Singapore lender, they may have only 1 product that they can offer you. So that 1 product might be pushed onto you. When you engage our services, we compile all the suitable Singapore housing loan offers from many banks for you to choose from. You can easily compare all housing loan offers and take your pick.

    3) Experience with housing loans in Singapore



    Personal Loan Singapore #applying #for #student #loans


    #personal loan calculator
    #

    Make an Appointment

    Personal Loan Singapore

    In reality, it is a matter of fact that people may need medical attention, especially if they got involved in an accident. Since the professional fees of doctors can be expensive, coupled with medications and perhaps laboratory exams and therapy, an average individual might find himself/herself in a financial situation.

    In these cases, one resorts to borrowing. One can borrow from relatives or friends, often without interest. If there are no relatives and friends who can give the desired amount, there are always financial institutions that offer personal loans. Personal loans are products in the form of money. They are given specifically for personal use, like medical emergencies.

    One pays for the use of the product by paying an interest on the borrowed amount. If a large amount is involved, repayment of the borrowed money can run for several months at regular intervals. Repayment schemes can vary, depending on the amount borrowed. There are establishments that give a rebate if the borrower pays before its due date. Rebates are also gained if the full amount borrowed is paid in full instead of installments. During these occasions, the borrower may be able to save from having to pay a large amount in interests.



    Singapore Licensed Money Lender for Cash Loan – Sumo Credit #small #business #financing


    #money loan
    #

    Welcome to SUMO Credit

    Licensed money lender in Singapore that focuses on quick cash loan services like personal loan, payday loan, medical loan, renovation loan and educational loan

    Whether you are paying off bills, celebrating a special occasion, or covering an unexpected cost. Getting a cash loan like personal loan or payday loan can be very useful for some of your needs.

    We can’t foresee when we will need some extra money. For instance, money is sometimes needed immediately or urgently to tide over financially difficult times be it for a medical loan. education loan. renovation loan or small business loan.

    There are many licensed and legal money lending services where you can turn to for such cash loan in Singapore, and one of them is Sumo Credit Pte Ltd.

    Our main aim is to provide loans to individuals who are in need of help and we tailor-make a repayment plan to suit your needs! It can be very stressful to ask friends or family members for money. Let’s face the reality of life, with the economy being like it is; very few people have any extra that they can loan to you or anyone else.

    It can also be stressful to think about the process to get a traditional loan. Perhaps you have already tried that and you got turned down after hours of paperwork involved.

    Call 6336-0766 for immediate assistance or visit us at Fortune Centre 190 Middle Road #02-06 S(188979)



    Housing Loan Singapore #loan #for #bad #credit


    #compare home loan rates
    #

    Mobile Homepage

    FREE Housing Loan Analysis

    Our services are FREE to you as we are compensate separately by the lenders.

    Apply For A Housing Loan Through Us

    If you wonder why you will require our services to assist you to get a housing loan, here is a small introductory list of the value we bring to you

    Instead of physically going to all the local and foreign banks yourself to enquire about your housing loan for purchase or refinacne, we compile all the information for you. You can sit back and go about your daily activities while we handle the hassle of home loan hunting for you.

    2) No pressure hard selling of home loans

    When you go to a housing loan Singapore lender, they may have only 1 product that they can offer you. So that 1 product might be pushed onto you. When you engage our services, we compile all the suitable Singapore housing loan offers from many banks for you to choose from. You can easily compare all housing loan offers and take your pick.

    3) Experience with housing loans in Singapore



    CreditXtra – Moneylenders, Instant Cash, Pay Day and Fast Cash Loans in Singapore #unsecured #loans #bad #credit


    #instant cash loan
    #

    Credit Xtra Welcomes You

    Credit Xtra specializes in giving complete and honest worthwhile service to the customer, while working with specific goals in mind. From the very beginning Credit Xtra employed a team of professionals to manage its centres. Only the most skilled and experienced financial specialists are involved with their transactions. Once the trends of the financial market have been thoroughly investigated by these financial specialists, who make up the core of this institution, loan schemes are then created and customized to suit the specific needs of customers.

    Credit Xtra in Singapore, is the one you can approach and depend on if you are considering taking a cash loan. Immediate cash loans are determined by your financial circumstances and may not be easily available. However, you are certain of quick results with regards to financial evaluations and proposals. If you complete an application for the loan you want with all the essential documentation, you will be contacted by an assigned customer service representative.

    An unforeseen turn of events or occurrence may affect your circumstances in a way that requires much needed financial assistance. You may need extra cash to meet your requirements immediately, if you do not have contingency plans in place for unanticipated circumstances. You are welcome to contact the service professionals at Credit Xtra for help at any time. No matter what the need is, Credit Xtra assures you of quick approvals for extra cash loans.

    With Credit Xtrais one of the foremost financiers in Singapore, you are also able to access their business or property loans. Credit Xtra can offer you a selection of property or business loans, which include mortgage or buyouts. These loans are conveniently accessible because they are extended at very reasonable terms.

    Credit Xtra also offers advances or Salary loans. Government or private employees located in Singapore may simply make application for such loans. You will be able to easily arrange your monthly financial budget ahead of time, and meet your expenses within the set time limits.

    The complete functional unit of Credit Xtra has been designed for efficiency. It is advisable to first submit all essential required documentation to the institution when applying for a loan scheme. The documentation will then be examined by the institutions verification division. Once all documentation has been verified, you will be eligible to receive a loan.



    Instant Cash Loan Approval Singapore #va #loans


    #instant approval loans
    #

    INSTANT CASH

    Fast Money offer instant cash loan for people who needs cash quickly.

    Fast Money provides people with instant cash. As soon as you apply for instant cash loans, our professionals will begin working on your loan application immediately. When you send in an application for instant cash, we understand that you need money quickly. Therefore, we will respond immediately to your application once we are notified.

    Fast Money offers flexible repayment period for our instant cash loans in Singapore. Our professionals will discuss a repayment plan with you to ensure that you can repay the loan comfortably.

    Whether you are an individual or a business requiring consolidation or installment loans in Singapore, we, at Fast Money, offer you the right loan agreement to meet your financial needs. We focus on understanding your needs and designing an appropriate loan package to suit you. With our prompt services, you will not experience the hassle and stress of falling short of cash. Our loan services offer a prompt solution to your immediate financial needs.

    At Fast Money, we understand the need to lend in a responsible manner. We follow the best of lending practices to ensure that our customers do not borrow more than they can afford to pay back. Our process is simple – choose the amount you seek to borrow and the length of time you would like to repay.

    We understand that many households are struggling to make their ends meet. With an increase in the cost of living, you may have little spare cash to build an emergency fund. Thus, you may find it difficult to handle if your washing machine breaks down all of a sudden or if your car needs major repair. With us, it is easy to apply and secure loans. You can look forward to instant and quick loan approval process. We will offer you a quick decision, without endless or lengthy paperwork.



    Personal Loan Calculator by Licensed Moneylender Singapore #online #installment #loans


    #personal loan calculator
    #

    Get an Instant Personal Loan within Minutes!

    Terms and Conditions

    Only 21 years old and above is eligible for loan application.

    To preserve the confidentiality of all information you provide to us we maintain the following Privacy Principles.

    We only collect personal information that we believe to be relevant and required to understand your financial needs.

    By clicking “Submit” and providing your personal data, you consent to Credit Hub Capital contacting you via the telephone and email for the loan application purpose.

    We will only use any information collected as minimally as possible, mainly to assist us in customising and delivering loan packages that are of interest to our customers.

    We will not make unsolicited requests for customer information through email or the telephone, unless customers initiate contact with us.

    We have established strict confidentiality standards for safeguarding information on our customers.

    Credit Hub Capital will not use or disclose information collected from you other than for the purpose made known to you, authorised by you or required by the Law.

    This field should be left blank



    Personal Loan on Your Credit Card or Ready Credit – Citibank Singapore #loan #compare


    #instant personal loans
    #

    Personal Loan on your Credit Card or Ready Credit:

    • Get your loan approved in an hour by speaking to us at our branch .
    • Or call our CitiPhone Hotline at 6225 5225

    Eligibility & Document Required

    Valid for customers with minimum annual income of S$30,000.

    For applicants with annual income of between S$20,000 to Past 12 month’s CPF statement submitted via CPF web-link

    Citibank SMRT Platinum Visa Card

    Yes, I would like to opt for Electronic Statement (optional)

    I confirm that I:

      Am applying for Citibank Ready Credit;
    • Have provided accurate and complete details about myself in this form;
    • Agree to the terms of Customer Declarations & Confirmation;

    Consent to the Citibank Singapore Limited contacting me for marketing of Citibank products and services including via the telephone.

    Consent to the Citibank Singapore Limited contacting me for marketing of Citibank products and services including via the telephone. You can find more information about >” href=”javascript:;”>Privacy here

    Upon submission, our Customer Service Officer will contact you within 24 hours or the next business day.



    Singapore Licensed Money Lender for Cash Loan – Sumo Credit #stated #income #loans


    #money loan
    #

    Welcome to SUMO Credit

    Licensed money lender in Singapore that focuses on quick cash loan services like personal loan, payday loan, medical loan, renovation loan and educational loan

    Whether you are paying off bills, celebrating a special occasion, or covering an unexpected cost. Getting a cash loan like personal loan or payday loan can be very useful for some of your needs.

    We can’t foresee when we will need some extra money. For instance, money is sometimes needed immediately or urgently to tide over financially difficult times be it for a medical loan. education loan. renovation loan or small business loan.

    There are many licensed and legal money lending services where you can turn to for such cash loan in Singapore, and one of them is Sumo Credit Pte Ltd.

    Our main aim is to provide loans to individuals who are in need of help and we tailor-make a repayment plan to suit your needs! It can be very stressful to ask friends or family members for money. Let’s face the reality of life, with the economy being like it is; very few people have any extra that they can loan to you or anyone else.

    It can also be stressful to think about the process to get a traditional loan. Perhaps you have already tried that and you got turned down after hours of paperwork involved.

    Call 6336-0766 for immediate assistance or visit us at Fortune Centre 190 Middle Road #02-06 S(188979)



    Low Interest Personal Loan Singapore #pink #slip #loans


    #low interest personal loan
    #

    Low Interest Personal Loan Singapore

    Home / Low Interest Personal Loan Singapore

    Finding a reputable moneylender in Singapore can be a huge burden to many people, especially when the need has already arisen, and one requires those services within a short time. This is why we established Credit Matters as a licensed moneylender in Singapore. Here, our top goal is to do everything within our power to make it easier for you to get a loan.

    Our loan application process has been made easy and straightforward, with practical options for all of our clients to completely eliminate the hassle from securing a personal loan Singapore. To begin with, you can apply for the loan online through our website, which has a very simple online application form.

    Once you have filled the form in and submitted the application, all you have to do is wait a few hours for the request to be processed. Once approval has been granted, you can get your loan within just a few minutes. The loan amount will be deposited in your bank account in full for your immediate access.

    Another advantage with choosing Credit Matters to cater to your immediate need for cash is that there are a number of repayment plans and options which you can choose from. Our options are designed to cater to a wide variety of borrowing needs, so all you need to do is to pick the option that suits best from among our plans.

    For example, we offer an option to relay at fixed monthly instalments that you can afford according to your budget. Our interest rates are made very affordable so that you are not too strained with the repayment. Here at Credit Matters, it’s all about you, and we’ll spare nothing to ensure your needs have been fully met.

    Commitment to service

    Credit Matters firmly holds on to the commitment to provide the best and most efficient client service. Through a repayment plan that features affordable monthly installments at low interest rates, you can be sure that we have thought through every aspect of your Singapore personal loan application and are ready to provide the support you require to the fullest.

    Personalized loan packages

    Our personal loan options are not engraved in stone and marked by lines upon lines of red tape. You can easily receive a loan package that has been tailored with you in mind, to ensure that you have everything you need in the solution we provide.

    Flexible repayment options

    Through the loan service above, you will receive the loan amount that you can afford, and work out a plan of repayment in equal monthly installments that will make it easier for you to plan and budget for the future.



    Home Loan Calculator Singapore #calculate #loan #payments


    #housing loan calculator
    #

    Singapore Home Loan Calculator

    • Estimate monthly home loan repayment amount.
    • Generate pie chart of housing loan principal versus interest amounts.
    • Generate principal, interest and balance loan repayment chart, over loan period.
    • Generate principal, interest and balance loan repayment table, by year.
    1. Enter property price in Singapore Dollars.
    2. Enter down payment amount in Singapore Dollars.
    3. Enter housing loan period in Years.
    4. Enter loan interest rate in Percentage.
    • CIMB Internal Board Rate = 0.94%
    • UOB Internal Board Rate = 1.00%
    • OCBC Internal Board Rate = 1.38%
    • RHB Internal Board Rate = 1.48%
    • Hong Leong Finance Board Rate = 1.48%
    • DBS FHR = 1.50%
    • CIMB 4 Year Fixed (Submit by 15 April) = 1.65%
    • Standard Chartered 1M SIBOR Interest Offset New Launch = 1.68%
    • Citibank 1 Month SIBOR = 1.70%
    • Maybank 2 Year Fixed Rate = 1.78%
    • Maybank 3 Month SIBOR = 1.80%
    • ANZ 1 Year Fixed Rate = 1.85%
    • Standard Chartered 2 Year Fixed = 1.88%
    • CIMB 3 Year Fixed Rate (Submit by 15 April) = 1.88%
    • ANZ 3 Month SOR = 1.93%
    • Maybank 3 Year Fixed Rate = 1.98%
    • RHB 2 Year Variable Package = 1.98%
    • DBS 3 Year Fixed Rate = 2.18%
    • RHB 2 Years Fixed Package = 2.18%
    • CIMB 5 Year Fixed Rate = 2.28%

    (Last updated April 2015)



    Discover Home Loan in Singapore and Get Help Now! #payment #calculator


    #cheapest home loan
    #

    Best Home Loans

    What Is A Home Loan?

    A home loan is financing service offered by a bank or credit union for the purpose of purchasing or building a property. Such loans are secured against the said property in that the bank holds the title of the house until the mortgage is in effect and reserves the right to sell the property if the borrower fails to make payments.

    Careful consideration of loan size, maturity period, interest rate, and monthly installments should be taken into account by the borrower before taking up a new home loan.

    If you already have an existing home loan and wish to switch to another home loan or lender without moving home, you may consider the option of refinancing.

    How Do Home Loans In Singapore Work?

    Banks in Singapore offer two types of home loans; namely fixed interest rate home loan and floating interest rate home loan. Fixed Interest Rate Home Loan:

    A fixed interest rate home loan has a predictable monthly repayment schedule throughout the loan tenure as rates are not affected by fluctuations in Board Rates or SIBOR. Interest rates are calculated based on the cost of acquiring the funds to lend to plus an interest premium imposed by the bank.

    Floating Interest Rate Home Loan

    There are two variants of floating interest rate home loans offered by banks in Singapore; the first being a variable interest rate home loan whereby interest rates are calculated based on the bank’s Board Rate minus a discount stipulated in the Letter of Offer.

    The second variant of floating interest rate home loan is one with an interest rate that fluctuates in tandem to changes to the Singapore Interbank Offered Rate (SIBOR). These loans uses a 1 month or 3 months SIBOR rate as a benchmark to determine the final interest rate charged to customers.

    Floating interest rate packages are suitable for buyers who want to capitalize on the current low interest rates but also open themselves to the risk that market interest rates may increase in the future.

    How To Use A Housing Loan Calculator?

    Visit our website at iMoney Singapore and use our home loan calculator to find and compare the best rates for the loan amount you want. Simply enter your desired loan amount and loan tenure and the calculator will furnish you with the best rates in the market, lock-in period, and a breakdown of monthly payments for the first year and following rates in the respected bank pages. With these information, you can make decision as to which bank(s) to apply to as well as adjusting your budget.

    What Is The Loan Application Process?

    The first step to apply for a home loan in Singapore is to approach a bank to perform your Loan Eligibility Check (AIP) which will give you a clearer idea as to whether you are eligible for a loan.

    Upon application, the bank will perform the following due diligence which will determine whether your loan application is approved or rejected:

    • Credit assessment check using proof of regular income (can be in the form of Income Tax Notice of Assessment, a latest computerized payslip,or a12-month CPF contribution statement)

    • Credit Bureau(Singapore) check. The objective of this check is to determine whether you have a history of good credit card payments, any existing loans, and if you are a discharged bankrupt.

    How Do Banks Assess My Eligibility?

    In the process to determine whether to approve or reject your loan application, the bank will perform assessments using the following two criteria:

    1. Financial Commitment to Income ratio

    This ratio is used to evaluate your ability to repay debt obligations by dividing your total monthly debt obligation with your total monthly gross income. As a general rule, your total financial commitment per month must not exceed 60% of your total household income.

    2. Loan-to-Value(LTV) ratio

    This ratio expresses the ratio of a loan to the value of the property purchased in the form of a percentage. It is affected by several factors such as the loan tenure, age of borrower, and the existence of other outstanding housing loans in the name of the borrower. Generally to the bank, the higher the LTV ratio the riskier it is to lend money to the borrower. In Singapore, the maximum LTV ratio a borrower can possess before his or her loan application is rejected is 80%.

    What Else Should I Know about Home Loans?

    1. Monthly Installment As a general rule, your monthly long-term repayment commitment must not exceed 40% of your monthly income. 2. Disbursement of Loan

    • For completed properties: The loan will generally be disbursed in one lump sum when you take over the property.

    • For uncompleted properties: The loan is disbursed in stages depending upon the stage of construction of the property.

    3. Loan Tenure Banks usually grant loans up to a maximum tenure of 35 years subject to the condition that you must not exceed the age of 70 years old at the end of the loan tenure. 4. Interest Rate Interest rate on loans vary according to the type of property and the type of home loan package a borrower takes up.

    Should I Opt For Refinancing?

    Refinancing your home is a good option when interest rates favour the home buyer. By refinancing, you as a borrower can redeem your existing home loan by taking up a new home loan at a lower interest rate.

    Before you decide to refinance, it is important to weigh the costs of exiting your existing home loan against the potential benefits of your new loan. Do expect to incur these following fees and penalties when you go for refinancing:

    • Prepayment Penalty: A penalty imposed by the bank for settling your home loan in full before the stipulated contract period (i.e. loan tenure).

    • Legal Fee: The cost for legal services to draw up property purchase and mortgage documentation.

    • Availed Cash Rebate: Recovery of any cash rebates that has granted to you upon taking up your existing home loan.

    • Property Valuation Fee: The costs to evaluate the current value of your property to determine the maximum amount you can borrow from refinancing.

    • Loan Cancellation Fee: Also known as an exit fee that is imposed by your current bank when you redeem your existing home loan.

    • Fire Insurance Policy: When you refinance, you are required to terminate your existing fire insurance policy that is tied to your current home loan and will have to take up a new one with the bank that is providing you with a new home loan.

    • The Interest Cost of Refinancing: You are required to give your current bank three months written notice of your intention to fully settle your existing home loan or pay a sum equivalent to three months interest in lieu of such notice.



    Car Loans – Citibank Singapore #department #of #education #loan #consolidation


    #car loan calc
    #

    Our Car Loan Calculators

    To help you get a better understanding of how much you can borrow in order to make a sound car financing decision, we have designed these easy-to-use car loan calculators for you.

    What is my monthly repayment

    Calculate your monthly payment after factoring in the car loan amount, interest rate and loan tenure.

    Car Loan Glossary

    Scheme enables all new cars, taxis, and imported used cars registered from 1 January 2013 with low carbon emissions of less than or equal to 160g/km, to qualify for rebates between S$5,000 and S$20,000, which will be offset against the Additional Registration Fee (ARF) payable.

    On the other hand, car owners will be penalised with a surcharge of S$5,000 to S$20,000 if their vehicle emits carbon more than or equal to 211g/km.

    Anyone who wishes to register a new vehicle in Singapore must first obtain a Certificate of Entitlement (COE), in the appropriate vehicle category. A COE represents a right to vehicle ownership and use of the limited road space for 10 years.

    At the end of the 10-year COE period, vehicle owners may choose to deregister their vehicle or to revalidate their COEs for another 5 or 10-year period by paying the Prevailing Quota Premium.

    Note: A 5-year COE (except for Category C vehicles with a 5-year COE that is expiring on or after 25 Feb 2013) cannot be further renewed. This means that at the end of the 5-year COE, the vehicle will be deregistered.

    Owners of Category C vehicles with 5-year COE that is expiring on or after 25 Feb 2013 can further renew their COE. However, all renewals can only be for a 5-year period, subject to the vehicle’s statutory lifespan.

    COEs are released through competitive bidding. There are 2 bidding exercises every month.

    Certificate of Entitlement (COE) – Consists of five categories:

    • A (Cars 1600CC below 97KW),
    • B (Cars above 1600CC or 97KW),
    • C (Goods Vehicle Bus),
    • D (Motorcycles), and
    • E (Open).

    For a motor vehicle with an OMV that does not exceed S$20,000, the maximum loan-to-value (LTV) is 60 percent of the purchase price, including relevant taxes and the price of the Certificate of Entitlement (COE).

    For vehicles with an OMV of more than S$20,000, the maximum LTV will be capped at 50 percent.

    Assessed by the Singapore Customs, OMV takes into account the purchase price, freight, insurance and all other charges incidental to the sale and delivery of the car from the country of manufacture to Singapore. The OMV is not the selling price from the manufacturer to local authorised dealers.

    The PARF rebate is computed based on the age of the car at deregistration. The age of the car is computed from the date of its registration in Singapore or its original registration in a foreign country, whichever is earlier. Imported used car registered in Singapore before 1 September 2007 is not eligible for PARF rebate. The S$10,000 used car surcharge will not be taken into consideration in the computation of PARF rebate.



    Citibank Singapore #loan #amortization #schedule


    #loan repayment calculator
    #

    HOME LOAN REPAYMENT SCHEDULE

    Citibank Home Loans

    Calculate your repayment plan here.

    Plan ahead for your next property purchase by understanding how much you can afford. Use our Mortgage Repayment calculator below to find out your potential monthly instalments, applicable interest rates and principle amount required.

    Loan Repayment Schedule

    Disclaimer:

    • The information set out herein is based on the 3 months Singapore Interbank Offered Rate (SIBOR) on the first business day of the month as published in the Business Times. Such Information is provided for illustrative purposes only and may not be complete. The information does not take into account considerations or conditions which may be specifically applicable to your loan.
    • Nothing contained in the illustration shall constitute an offer of credit facilities by Citibank Singapore Limited.
    • Citibank will not be liable for damage and/or loss that may be suffered by anyone howsoever arching in relation to the information set out herein.
    • Full disclaimers terms and conditions apply to banking products and services provided by Citibank.
    • Please note that Citibank may use the information that you have submitted to contact you regarding our Citibank home loan packages.

    Important Information:

    The Board Rate (if any) quoted to you applies only to the loan package you enquired about. The Board Rate may differ from the Bank’s Board Rates applicable to other home loan packages float:left;margin: 5px;”>



    Personal Loan Singapore #interest #rates #for #car #loans


    #personal loan calculator
    #

    Make an Appointment

    Personal Loan Singapore

    In reality, it is a matter of fact that people may need medical attention, especially if they got involved in an accident. Since the professional fees of doctors can be expensive, coupled with medications and perhaps laboratory exams and therapy, an average individual might find himself/herself in a financial situation.

    In these cases, one resorts to borrowing. One can borrow from relatives or friends, often without interest. If there are no relatives and friends who can give the desired amount, there are always financial institutions that offer personal loans. Personal loans are products in the form of money. They are given specifically for personal use, like medical emergencies.

    One pays for the use of the product by paying an interest on the borrowed amount. If a large amount is involved, repayment of the borrowed money can run for several months at regular intervals. Repayment schemes can vary, depending on the amount borrowed. There are establishments that give a rebate if the borrower pays before its due date. Rebates are also gained if the full amount borrowed is paid in full instead of installments. During these occasions, the borrower may be able to save from having to pay a large amount in interests.



    Personal Loans – Personal Loan Singapore #loan #shop #online


    #online loan
    #

    Personal Loans

    Gold Allianze Capital provides personal loans to laborers and professionals alike in Singapore. This loan option is designed to provide a source of quick ready cash for individuals with urgent financial needs. At Gold Allianze Capital, we stress on quality customer service and fantastic and reliable partner for your personal finances.

    Getting a loan from banks can prove to be difficult especially with a less-than-stellar credit record or poor financial standing this is where a licensed moneylender comes in. We understand the circumstances that got you in the situation that you are in and will not discriminate you based on your credit record or poor financial standing. Here at Gold Allianze Capital, we strive to be your partner in achieving control of your finances. There are many licensed Moneylenders in Singapore. Gold Allianze Capital provides one of the most competitive rates available in the market – make the correct choice, choose Gold Allianze Capital as your preferred partner.

    Things to Consider before Taking a Personal Loan from a Licensed Moneylender

    Different moneylenders offer different interest rates on the money loaned. Interest has an impact on the final amount of money you will be required to repay when the time for repay comes. That is why you should compare interest rates offered by various moneylenders. Go from one licensed moneylender to another in your area asking for quotes and then analyze their offers before you consider taking up the loan.

    Reputation of the licensed moneylender

    It is recommended you check the reputation of the lender you are about to borrow money from. When you take a personal loan from a bank, you are sure the bank will not scam you since banks are approved and regulated by concerned authorities. On the other hand, moneylenders can hide the fine details about your personal loan when finalizing the transaction. One way of checking a licensed moneylender reputation is by reading up on other customers’ reviews about the lender.

    Seek services of a professional Singapore Moneylender like Gold Allianze Capital.

    You may not be aware about the financial terms and complications involved with securing a personal loan. That is why it is important you seek the services and help of a professional Singapore Moneylender like Gold Allianze Capital and not just any moneylender. Gold Allianze Capital has established excellent rapport with our clients and enjoy a good reputation in the Industry. We work hard towards forging strong partnerships with our clients and all our dedicated credit consultants are dedicated towards providing the best financing option that best

    matches a client’s need.

    Don’t take more than you can repay

    When applying for a personal loan, go through the contract in detail. Take precautions not to borrow more money than you what you can afford to repay each payment period. You can determine your repaying capability by doing a simple analysis of your income, basic expenses and other financial obligations. It is important not to borrow more than what you can cope with your current standing. If you have any further doubts, feel free to speak to our experienced and friendly credit consultants – they will be more than happy to understand your situation and provide the best advice for your current predicament.



    Singapore s Best Personal Loans. Discover Now! #auto #loan #calculators


    #best bank loans
    #

    <> <>

    Get the best financial deals in the Singapore

    What is Personal Loan?

    A personal loan is an unsecured loan that is issued to individuals for a short period. Their repayment time typically varies from two to seven years years based upon fixed or flexible monthly instalments. It can be utilised for different purposes for e.g. purchasing an air ticket, extra funds for a wedding or even to pay up the huge amount of credit card bills. The banks usually do not require any kind of security for advancing these loans, yet there may be exceptions.

    What Do I Need to Know About Personal Loan?

    The age limit of the applicants may vary between 21 to 65 years where 65 is the limit where the loan period would end. Personal loans are usually given both to Singaporean citizens or permanent residents. The typical income requirements is S$30,000 per annum, however, those with annual income below S$30,000 may also be able to acquire one but with a slightly higher interest rate.

    Some banks also advance personal loans to foreigners having working permit follow with a higher minimum income requirement, typically around S$60,000 per annum.

    The borrower can acquire an amount up to 6 times of his/her monthly salary in Singapore. Individuals with a higher annual salary like $100,000 or above may be able to ask for a higher financing amount.

    The repayment of a fixed personal loan is required to be made on monthly basis. On the other hand, flexible personal loan requires the borrower to repay at least the minimum payment that is stated in the offer letter. A late payment penalty will be charged if you are unable to make the payment within the predetermined time frame. The amount of this penalty may vary for different banks.

    You will also expect charges like processing and insurance fees etc. Most of the banks offer same day approval for loan applications, though it is still vary from bank to bank.

    Guidelines For Acquiring A Personal Loan

    The following tips can be useful for the first time applicants of personal loan in Singapore:

    These following documents need to be prepared prior to the loan application, i.e.

    • Photocopy of NRIC
    • Proof of Income or;
    • CPF Contribution Statement or;
    • Latest Income Tax Notice of Assessment (NOA)
    • Passport & Employment Pass (for foreigners)

    Personal loan which is advanced without collateral usually comes with a higher interest rate. Hence, think carefully as to whether or not you would use a collateral to acquire for one.

    Select a financial institution that can provide you flexible repayment options if you can as this will help you in an easy and quick repayment of your loan.

    Personal Loan and iMoney

    When you have so many choices around you, it becomes difficult to select the right one. iMoney has solved your problem by offering you a comparison of personal loans available in Singapore to help you to choose the one that can cater to your needs.

    Before you apply for a personal loan with us, we recommend you to check your Debt Servicing Ratio which calculates your total monthly repayments as a percentage of your monthly income. The ideal ratio must not exceed 50% in order to keep your financial status healthy. Once you have considered these important aspects, you can start applying with us with just a few clicks, and most importantly this service is completely free to use!



    Singapore Housing Loans. #best #home #loan #rates


    #housing loan interest rates
    #

    Interest Only Loans

    If you are a property investor or high income earner who falls within a high tax bracket, choosing an interest-only mortgage would make good sense. You’ll benefit from savings in income tax as the interest portion of loan instalment for investment properties is tax-deductible since the interest-only loan will allow you to maximise tax deduction on interest paid on your housing loan while keeping your monthly instalments low since there are no principal repayments. To a savvy investor who is able to generate higher returns on his investments, any cash outlay saved by choosing an interest-only loan will enable him to be ahead as long as he’s able to generate a higher return on his “freed up” cash on cash. This package also works well for short-term investors. By paying back only the interest, investors would benefit from a lower cash outflow until they sell the property. As a result, they may be able to invest in two properties instead of one.

    Other pros include:

    • Minimise property cash flow instances
    • Increase Returns on Capital
    • Maximise tax deduction on interest on housing loan
    • Lower rental income would be able to cover the lower interest-only instalments without any cash top up for the

    monthly repayments

    Reverse mortgage

    A Reverse Mortgage is a financial scheme designed for senior citizens to unlock the value of their property into cash flows. It allows the property owner, to receive a monthly payout by mortgaging their paid-up or almost fully paid property to the bank without having to move out or sell their property.

    The concept of reverse mortgage is a relatively new one in Singapore. As more and more Singaporeans head towards retirement, reverse mortgages can be a viable option for the senior citizens as they look for solutions to supplement their income. With longer life expectancy, many senior citizens are concerned about the rising costs of living and reduced income streams during retirement. This is a reality which affects everyone, whether he is a private property or HDB flat owner. For senior citizens who have fully or almost fully paid for their property and want to supplement their income during their retirement, they can now consider a reverse mortgage as an additional option.

    Reference Rate Loans

    Reference rate loans are transparent to the consumer as the rates are publicly available indices. For example, the Singapore Interbank Offer Rate (SIBOR) is a daily reference rate based on interest rates at which financial institutions offer to lend unsecured funds to other financial institutions in the Singapore wholesale money market (or interbank market). SOR stands for SWAP Offer Rate and it is one of 2 exchange-traded interest rate futures products in Singapore. The SOR is an FX forward implied rate calculated from a 3-month USD/SGD forwards with official fixing that is provided for by the Association of Banks in Singapore. For the consumer who wants a variable rate loan and to maintain a certain level of transparency of rates to allow quick decision-making (ie, when to switch loan packages), he should look out for loans that are pegged to SIBOR or SOR reference rates.



    Personal Loan on Your Credit Card or Ready Credit – Citibank Singapore #car #loans #4 #u


    #instant personal loans
    #

    Personal Loan on your Credit Card or Ready Credit:

    • Get your loan approved in an hour by speaking to us at our branch .
    • Or call our CitiPhone Hotline at 6225 5225

    Eligibility & Document Required

    Valid for customers with minimum annual income of S$30,000.

    For applicants with annual income of between S$20,000 to Past 12 month’s CPF statement submitted via CPF web-link

    Citibank SMRT Platinum Visa Card

    Yes, I would like to opt for Electronic Statement (optional)

    I confirm that I:

      Am applying for Citibank Ready Credit;
    • Have provided accurate and complete details about myself in this form;
    • Agree to the terms of Customer Declarations & Confirmation;

    Consent to the Citibank Singapore Limited contacting me for marketing of Citibank products and services including via the telephone.

    Consent to the Citibank Singapore Limited contacting me for marketing of Citibank products and services including via the telephone. You can find more information about >” href=”javascript:;”>Privacy here

    Upon submission, our Customer Service Officer will contact you within 24 hours or the next business day.



    Singapore Licensed Money Lender for Cash Loan – Sumo Credit #business #funding


    #money loan
    #

    Welcome to SUMO Credit

    Licensed money lender in Singapore that focuses on quick cash loan services like personal loan, payday loan, medical loan, renovation loan and educational loan

    Whether you are paying off bills, celebrating a special occasion, or covering an unexpected cost. Getting a cash loan like personal loan or payday loan can be very useful for some of your needs.

    We can’t foresee when we will need some extra money. For instance, money is sometimes needed immediately or urgently to tide over financially difficult times be it for a medical loan. education loan. renovation loan or small business loan.

    There are many licensed and legal money lending services where you can turn to for such cash loan in Singapore, and one of them is Sumo Credit Pte Ltd.

    Our main aim is to provide loans to individuals who are in need of help and we tailor-make a repayment plan to suit your needs! It can be very stressful to ask friends or family members for money. Let’s face the reality of life, with the economy being like it is; very few people have any extra that they can loan to you or anyone else.

    It can also be stressful to think about the process to get a traditional loan. Perhaps you have already tried that and you got turned down after hours of paperwork involved.

    Call 6336-0766 for immediate assistance or visit us at Fortune Centre 190 Middle Road #02-06 S(188979)



    Home Loan Calculator Singapore #quick #loan


    #housing loan calculator
    #

    Singapore Home Loan Calculator

    • Estimate monthly home loan repayment amount.
    • Generate pie chart of housing loan principal versus interest amounts.
    • Generate principal, interest and balance loan repayment chart, over loan period.
    • Generate principal, interest and balance loan repayment table, by year.
    1. Enter property price in Singapore Dollars.
    2. Enter down payment amount in Singapore Dollars.
    3. Enter housing loan period in Years.
    4. Enter loan interest rate in Percentage.
    • CIMB Internal Board Rate = 0.94%
    • UOB Internal Board Rate = 1.00%
    • OCBC Internal Board Rate = 1.38%
    • RHB Internal Board Rate = 1.48%
    • Hong Leong Finance Board Rate = 1.48%
    • DBS FHR = 1.50%
    • CIMB 4 Year Fixed (Submit by 15 April) = 1.65%
    • Standard Chartered 1M SIBOR Interest Offset New Launch = 1.68%
    • Citibank 1 Month SIBOR = 1.70%
    • Maybank 2 Year Fixed Rate = 1.78%
    • Maybank 3 Month SIBOR = 1.80%
    • ANZ 1 Year Fixed Rate = 1.85%
    • Standard Chartered 2 Year Fixed = 1.88%
    • CIMB 3 Year Fixed Rate (Submit by 15 April) = 1.88%
    • ANZ 3 Month SOR = 1.93%
    • Maybank 3 Year Fixed Rate = 1.98%
    • RHB 2 Year Variable Package = 1.98%
    • DBS 3 Year Fixed Rate = 2.18%
    • RHB 2 Years Fixed Package = 2.18%
    • CIMB 5 Year Fixed Rate = 2.28%

    (Last updated April 2015)



    Fast Cash, Cash Loan in Singapore #payday #loans #lenders


    #fast loan
    #

    Get your loans from SGPersonalLoan.com.sg, the premier moneylender in Singapore

    What You Should Know Prior to Taking a Fast Cash Loan

    People that require any quick cash for an emergency can find a useful resource with a good lending institution. Lenders allow you to borrow money, knowing well that you will repay it afterwards. The fast cash loan is one of the popular loan types and this article explains key aspects you should understand before talking this loan.

    Know all the costs related with this loan. If you do not look into this early enough, you may just be astounded at the high rates of interest. Therefore, do not hesitate to ask the lender about the interest rates and other applicable fees.

    Do not apply a fast cash loan with the lender where you had defaulted on a loan with. Although you may be in sincere need of money, you will do yourself some favour by avoiding this mistake. Lenders have a list of all loan defaulters and you may not succeed in obtaining financial help from them.

    Be certain that you will pay back your fast cash loan within the due date. Beware that any amount you fail to pay may go into collections, and this will damage your credit score. Ensure that you have sufficient money in your bank by the time the loan is due.

    Do your research properly. Several watchdog sites allow people to discuss those lenders that have hurt them. Therefore, research a number of sites to ensure that you only approach those lenders with a credible record of service. This will also help you to avoid getting into scams.

    Try to avoid any lender that offers a fast cash if you cannot repay the loan. If you fail to pay back the loan within the required time, a collection agency may get on your case. Thus, if you know you will delay to pay back the loan within the stipulated period, you should grab a phone and talk to your lender about the possibility of an extension.

    When searching for a fast cash loan provider, do not fear about the credit score. The potential lender will assess your income to ensure that your subsequent pay check can offset the loan. In fact, some lenders do not look at credit checks but instead, they just need proof for employment alone and they will process the loan quickly.

    If you follow these tips before obtaining the loan, you will be on the safe side because you will only obtain a loan that you can easily repay and not fall into troubles later.

    Apply for a loan now (Call 622-11-811)



    Singapore s Best Personal Loans. Discover Now! #cash #payday #loans


    #best bank loans
    #

    <> <>

    Get the best financial deals in the Singapore

    What is Personal Loan?

    A personal loan is an unsecured loan that is issued to individuals for a short period. Their repayment time typically varies from two to seven years years based upon fixed or flexible monthly instalments. It can be utilised for different purposes for e.g. purchasing an air ticket, extra funds for a wedding or even to pay up the huge amount of credit card bills. The banks usually do not require any kind of security for advancing these loans, yet there may be exceptions.

    What Do I Need to Know About Personal Loan?

    The age limit of the applicants may vary between 21 to 65 years where 65 is the limit where the loan period would end. Personal loans are usually given both to Singaporean citizens or permanent residents. The typical income requirements is S$30,000 per annum, however, those with annual income below S$30,000 may also be able to acquire one but with a slightly higher interest rate.

    Some banks also advance personal loans to foreigners having working permit follow with a higher minimum income requirement, typically around S$60,000 per annum.

    The borrower can acquire an amount up to 6 times of his/her monthly salary in Singapore. Individuals with a higher annual salary like $100,000 or above may be able to ask for a higher financing amount.

    The repayment of a fixed personal loan is required to be made on monthly basis. On the other hand, flexible personal loan requires the borrower to repay at least the minimum payment that is stated in the offer letter. A late payment penalty will be charged if you are unable to make the payment within the predetermined time frame. The amount of this penalty may vary for different banks.

    You will also expect charges like processing and insurance fees etc. Most of the banks offer same day approval for loan applications, though it is still vary from bank to bank.

    Guidelines For Acquiring A Personal Loan

    The following tips can be useful for the first time applicants of personal loan in Singapore:

    These following documents need to be prepared prior to the loan application, i.e.

    • Photocopy of NRIC
    • Proof of Income or;
    • CPF Contribution Statement or;
    • Latest Income Tax Notice of Assessment (NOA)
    • Passport & Employment Pass (for foreigners)

    Personal loan which is advanced without collateral usually comes with a higher interest rate. Hence, think carefully as to whether or not you would use a collateral to acquire for one.

    Select a financial institution that can provide you flexible repayment options if you can as this will help you in an easy and quick repayment of your loan.

    Personal Loan and iMoney

    When you have so many choices around you, it becomes difficult to select the right one. iMoney has solved your problem by offering you a comparison of personal loans available in Singapore to help you to choose the one that can cater to your needs.

    Before you apply for a personal loan with us, we recommend you to check your Debt Servicing Ratio which calculates your total monthly repayments as a percentage of your monthly income. The ideal ratio must not exceed 50% in order to keep your financial status healthy. Once you have considered these important aspects, you can start applying with us with just a few clicks, and most importantly this service is completely free to use!



    Singapore Housing Loans. #car #loan #interest #rates


    #housing loan interest rates
    #

    Interest Only Loans

    If you are a property investor or high income earner who falls within a high tax bracket, choosing an interest-only mortgage would make good sense. You’ll benefit from savings in income tax as the interest portion of loan instalment for investment properties is tax-deductible since the interest-only loan will allow you to maximise tax deduction on interest paid on your housing loan while keeping your monthly instalments low since there are no principal repayments. To a savvy investor who is able to generate higher returns on his investments, any cash outlay saved by choosing an interest-only loan will enable him to be ahead as long as he’s able to generate a higher return on his “freed up” cash on cash. This package also works well for short-term investors. By paying back only the interest, investors would benefit from a lower cash outflow until they sell the property. As a result, they may be able to invest in two properties instead of one.

    Other pros include:

    • Minimise property cash flow instances
    • Increase Returns on Capital
    • Maximise tax deduction on interest on housing loan
    • Lower rental income would be able to cover the lower interest-only instalments without any cash top up for the

    monthly repayments

    Reverse mortgage

    A Reverse Mortgage is a financial scheme designed for senior citizens to unlock the value of their property into cash flows. It allows the property owner, to receive a monthly payout by mortgaging their paid-up or almost fully paid property to the bank without having to move out or sell their property.

    The concept of reverse mortgage is a relatively new one in Singapore. As more and more Singaporeans head towards retirement, reverse mortgages can be a viable option for the senior citizens as they look for solutions to supplement their income. With longer life expectancy, many senior citizens are concerned about the rising costs of living and reduced income streams during retirement. This is a reality which affects everyone, whether he is a private property or HDB flat owner. For senior citizens who have fully or almost fully paid for their property and want to supplement their income during their retirement, they can now consider a reverse mortgage as an additional option.

    Reference Rate Loans

    Reference rate loans are transparent to the consumer as the rates are publicly available indices. For example, the Singapore Interbank Offer Rate (SIBOR) is a daily reference rate based on interest rates at which financial institutions offer to lend unsecured funds to other financial institutions in the Singapore wholesale money market (or interbank market). SOR stands for SWAP Offer Rate and it is one of 2 exchange-traded interest rate futures products in Singapore. The SOR is an FX forward implied rate calculated from a 3-month USD/SGD forwards with official fixing that is provided for by the Association of Banks in Singapore. For the consumer who wants a variable rate loan and to maintain a certain level of transparency of rates to allow quick decision-making (ie, when to switch loan packages), he should look out for loans that are pegged to SIBOR or SOR reference rates.



    Personal Loans by Cash Direct, Licensed Moneylender in Singapore #business #loans #for #bad #credit


    #personal cash loans
    #

    Personal Loan

    Doing business with a licensed moneylender is always a better idea than obtaining a loan from an entity that does not have the proper credentials. When you need to borrow money quickly and only a short-term advance will do, legal loans protect your rights.

    What sets apart a licensed moneylender like Cash Direct from the unlicensed competitor?

    When you apply for a short-term personal loan, Singapore officials urge you to consider its list of licensed lenders. Doing business with companies like outs ensures that you are treated with respect, will not be asked for your SingPass and do not have to relinquish your personal identification documentation until repayment of the funds has been completed.

    Licensed moneylenders also refrain from activities that are considered illegal by authorities. Examples of these behaviours include the request for you to sign blank contracts or notes, a lender’s unwillingness to give you a copy of your note and a representative’s inability to explain the conditions of your loan in detail. By the way, licensed lenders like Cash Direct will never hold back any portion of your approved loan amount for fees or charges.

    Understanding how we do business

    While the licensing is a big advantage when seeking to take out a loan, consumers still have plenty of choices. To compete in the open market, lenders’ repayment policies and rates vary. Competitive rates are good for the consumer. We will offer a streamlined application process and a quick approval procedure. After all, when you are in need of emergency cash, you do not have the luxury of spending days waiting for a decision by the lender.

    Doing business with us

    You have found a licensed moneylender like Cash Direct who offers favourable terms. Once you decide that you want to do business with us, consider carefully how much money you need to borrow. As a general rule of thumb, you can borrow up to $3,000 if you make less than $20,000. The amount you can borrow increases incrementally depending on your annual income.

    After you have received your money and taken care of your financial emergency, make sure to pay your loan instalments as scheduled to avoid late fees and additional interest charges. Keep all receipts for your records until your loan is paid off and you receive your final statement showing that you no longer owe us any funds.



    Personal Loan, Licensed Money Lender in Singapore – Quick Credit #consolidate #student #loans


    #quick loans
    #

    Quick Credit Personal Loans in Singapore

    Making dreams come true in today’s money driven times is not possible without ready cash in hand. At every bend of life, you will need cash to fulfill your desires.

    Quick Credit understands the importance of such human desires. If you need funds for your wedding or for a vacation abroad, you can avail a personal loan in Singapore from us at the most competitive interest rates.

    First established in 2001, our company has come a long way in loaning funds to needful borrowers.

    Applying For Loans Was Never Simpler

    Owing to the high demand for personal loans in Singapore to meet day-to-day expenses has gone up by a huge number. Sometimes people are planning for a holiday, at others they want to buy electronic gadgets, and so on.

    If it is not possible for you to pay for these expenses in one go, a personal loan is the ideal solution.

    To apply for a personal loan with Quick Credit Pte Ltd. borrowers will need:

    1. You must have an NRIC (National Registration Identity Card) and latest pay slips, if available.
    2. You definitely need to be employed
    3. You should be able to retrieve the last 15 months CPF (Central Provident Fund) statement.

    Hassle free monthly repayment

    Before approving loans at Quick Credits, our experts analyze the paying capacity of every individual borrower, and only after correct calculations, we decide about the monthly installments that will fall upon your head.

    For instance, if your annual income is less than $20,000 you’re loan limit is up to $3,000 only. But, if your annual income is more than $120,000, you can borrow any amount.

    For special cases, we also have provisions for flexible monthly repayments. To know more, you can contact our experts at +65 6899 6188.

    Advantages of Quick Credit Personal loans, Singapore

    1. Personal loans structured with easy to understand repayment terms.
    2. Flexible loan packages to meet every borrower’s individual needs.
    3. Easy monthly repayment plans that fit one’s paying capacity.

    To apply for a personal loan, call +65 6899 6188 or come visit us at Jurong East, IMM Building, #04-01B.

    PERSONAL LOAN

    It is designed to meet your individualistic needs, e.g. Money required for home renovation, education, mortgage, repayments of credit cards or other forms of personal usage.



    Home Loan Calculator Singapore #loans #for #military


    #housing loan calculator
    #

    Singapore Home Loan Calculator

    • Estimate monthly home loan repayment amount.
    • Generate pie chart of housing loan principal versus interest amounts.
    • Generate principal, interest and balance loan repayment chart, over loan period.
    • Generate principal, interest and balance loan repayment table, by year.
    1. Enter property price in Singapore Dollars.
    2. Enter down payment amount in Singapore Dollars.
    3. Enter housing loan period in Years.
    4. Enter loan interest rate in Percentage.
    • CIMB Internal Board Rate = 0.94%
    • UOB Internal Board Rate = 1.00%
    • OCBC Internal Board Rate = 1.38%
    • RHB Internal Board Rate = 1.48%
    • Hong Leong Finance Board Rate = 1.48%
    • DBS FHR = 1.50%
    • CIMB 4 Year Fixed (Submit by 15 April) = 1.65%
    • Standard Chartered 1M SIBOR Interest Offset New Launch = 1.68%
    • Citibank 1 Month SIBOR = 1.70%
    • Maybank 2 Year Fixed Rate = 1.78%
    • Maybank 3 Month SIBOR = 1.80%
    • ANZ 1 Year Fixed Rate = 1.85%
    • Standard Chartered 2 Year Fixed = 1.88%
    • CIMB 3 Year Fixed Rate (Submit by 15 April) = 1.88%
    • ANZ 3 Month SOR = 1.93%
    • Maybank 3 Year Fixed Rate = 1.98%
    • RHB 2 Year Variable Package = 1.98%
    • DBS 3 Year Fixed Rate = 2.18%
    • RHB 2 Years Fixed Package = 2.18%
    • CIMB 5 Year Fixed Rate = 2.28%

    (Last updated April 2015)



    CreditXtra – Moneylenders, Instant Cash, Pay Day and Fast Cash Loans in Singapore #fed #loan #consolidation


    #instant cash loan
    #

    Credit Xtra Welcomes You

    Credit Xtra specializes in giving complete and honest worthwhile service to the customer, while working with specific goals in mind. From the very beginning Credit Xtra employed a team of professionals to manage its centres. Only the most skilled and experienced financial specialists are involved with their transactions. Once the trends of the financial market have been thoroughly investigated by these financial specialists, who make up the core of this institution, loan schemes are then created and customized to suit the specific needs of customers.

    Credit Xtra in Singapore, is the one you can approach and depend on if you are considering taking a cash loan. Immediate cash loans are determined by your financial circumstances and may not be easily available. However, you are certain of quick results with regards to financial evaluations and proposals. If you complete an application for the loan you want with all the essential documentation, you will be contacted by an assigned customer service representative.

    An unforeseen turn of events or occurrence may affect your circumstances in a way that requires much needed financial assistance. You may need extra cash to meet your requirements immediately, if you do not have contingency plans in place for unanticipated circumstances. You are welcome to contact the service professionals at Credit Xtra for help at any time. No matter what the need is, Credit Xtra assures you of quick approvals for extra cash loans.

    With Credit Xtrais one of the foremost financiers in Singapore, you are also able to access their business or property loans. Credit Xtra can offer you a selection of property or business loans, which include mortgage or buyouts. These loans are conveniently accessible because they are extended at very reasonable terms.

    Credit Xtra also offers advances or Salary loans. Government or private employees located in Singapore may simply make application for such loans. You will be able to easily arrange your monthly financial budget ahead of time, and meet your expenses within the set time limits.

    The complete functional unit of Credit Xtra has been designed for efficiency. It is advisable to first submit all essential required documentation to the institution when applying for a loan scheme. The documentation will then be examined by the institutions verification division. Once all documentation has been verified, you will be eligible to receive a loan.



    Bank Housing Loan – Singapore Home Loan Interest Rate Structures To Ponder Over #nedbank #loans


    #housing loan interest rates
    #

    Bank Housing Loan – Singapore Home Loan Interest Rate Structures To Ponder Over

    Posted on March 1st

    The number 1 question on the mind of every home buyer seeking a new loan or home owner looking to refinance is “What is the best interest rate for housing loan ?”. Although every lender will know how an unbeatable mortgage deal will look like, seldom will you find a housing loan being offered that is undoubtedly the best deal around.

    A Singapore housing loan with 1% fixed rate throughout it’s life, without a lock in period, with full legal subsidies, free fire insurance, free mortgage insurance and no redemption penalties will surely beat every other lender hands down. However, a deal like this will probably never be available because it is simply not viable for the bank. Banks are profit driven entities. Not charitable organizations.

    Instead of seeking the best mortgage loan in the market, you should instead be looking for the best mortgage loan for you. This will depend on your personal risk tolerance, how you perceive the market will move in future, your property purchase circumstances, etc.

    There are hundreds of housing loans packages available in Singapore. If you closely follow the mortgage market, you will find that there are new promotions and deals being conceptualized every week. These deals are not created just to make up the numbers. There may be different deals for new purchases or promotional packages for refinancing home loans. Each package is tailor-made to suit the profile of a target segment that the banks have identified.

    The first thing to figure out is which are the deals out of the hundreds published do you qualify for. A good example is whether your property in question is one that is “Completed” or “Building Under Construction (BUC)”. Some very attractive deals are devised specially for completed or BUC properties.

    Other details you should keep in your mind during qualification are

    • Private property or HDB flat
    • Floor area
    • District and neighbourhood
    • Requested loan quantum
    • Remaining lease

    These information should help you and bankers to narrow down which home loan packages you qualify for while filtering out those that does not apply to your circumstances.

    Bank Housing Loan Interest Rate

    The next stage is where you choose between the interest rate structure of your housing loan. This is where you spend most of your time making a decision. In all likelihood, you will be choosing one from the 4 most common housing loan interest rate packages.

    1) SIBOR pegged

    2) SOR pegged

    3) Fixed interest rate

    4) Variable rate

    A very common dilemma of a home buyer is in choosing between SIBOR and SOR. Both are benchmark rates that fluctuate with market movements. However, it is generally accepted that SIBOR is more stable and SOR is more volatile. A borrower who is more risk-adverse and prefers stability will surely choose the former. But note that being more volatile means that SOR can potentially fall below SIBOR without any warning.

    Benchmark pegged housing loans will include a specified margin. Adding that margin to the benchmark rate will determine the interest rate which you will be paying on.

    In a growing economy, you can expect interest rates to rise. For home buyers who fully expect benchmark rates to rise in the short term, fixed rate mortgages are a good option to protect the borrower from fast rising interest rates. These interest structures fix a specified rate on your housing loan. This means that you will be paying a fixed interest rate even when markets experience exponentially high mortgage rates. When SIBOR and SOR rise to high levels, borrowers who took up benchmark pegged mortgages will be charged accordingly. While borrowers on fixed rate housing loans will still be on the fixed rates that they have taken up.

    Variable rate mortgages are a little more tricky as different banks may have different components and factors that determines their variable rates. You should always find out how variable rates are determined before signing up on one.

    To make it easier to choose between your home loans, you should always weigh up all information available and decide for yourself which type of interest structure housing loans are best for you. Only you know your own situation and position best.

    Interest rates for mortgage loans in Singapore behaves like most developed economies around the world. When economies grow at a face pace, the demand for credit facilities like business loans, trade financing loans and property loans increase. A quick jump in demand for loans and funding while having limited supply will mean rising interest rates.

    Unless you are a civil servant who knows exactly what are the actions that government agencies will take to manage the money markets, your guess of how interest rates for bank housing loans will move in the foreseeable future is as good as anyone.

    When you predict that interest rates will rise, a fixed rate mortgage will be a good option. Whereas if you think that interest rates will fall or remain the same for a few years, a benchmark pegged home loan will be more tempting. Weigh up you appetite for risk and choose wisely.

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    Cash Advance – Personal Loan Singapore


    #advance payday loans
    #

    Cash Advance

    Are you in some kind of financial mess? Do you need just a few hundred dollars to help you get to your next month Salary? Gold Allianze Capital Cash Advance are out there to help you get the money you need. However, there are things you must know before applying for one. Here are some tips to help you make good decisions about cash advance.

    Make sure you select your cash advance package carefully. You should consider how long you are given to pay back the loan and what the interest rates are like before choosing your package. See what your best options are and then make your selection in order to save money.

    A great way to choose your  moneylender is to read different reviews from customers who, have used that particular service before. You can get first hand knowledge on how, the experience works. How different people feel about different moneylenders. In that way you make the best choice possible.

    Pay back the entire loan as soon as you can. You are going to get a due date, and pay close attention to that date. The sooner you pay back the loan in full, the sooner your transaction with the moneylender is complete. That will save you money in the long run.

    Never take out a cash advance package on behalf of someone else, regardless of how close the relationship is that you have with this person. If someone is not able to qualify for a cash advance on their own, you should not trust them enough to put your credit on the line.

    Be certain you know how many more fees you incur, when you choose to rollover your loan. You may think you are giving yourself more time to pay the loan back, but you are also incurring more fees on your account. Ask what fees are involved, in a rollover before you do one.

    A cash advance can help you during a tough time. You just have to make sure you read all the small print and get the information you need to make informed choices. Apply these tips to your own cash advance experience, and you will find that the process goes much more smoothly for you.

    For more information about Gold Allianze Capital Cash Advance, Contact us now  at  6354 4148



    Personal Loan Singapore


    #apply for personal loan
    #

    Licensed Moneylender in Singapore.

    Foreigner loans Singapore

    Applying for a foreigner loan is not as difficult as it seems. We can offer you a foreigner loan with an easy payback term.

    Business loans Singapore

    Loans for business expansion: We understand the necessity of adequate funds to expand your business.

    Personal loans singapore

    Personal Loan In Singapore

    We are a registered and established loan company in Singapore.

    A E Credit Services offers competitive personal loan packages for residents in Singapore, whether citizens or foreigners. If you are looking for a personal loan, foreigner loans or business loans in Singapore, we may have just the right package that suits your needs!

    Why Choose Us?

    We are licensed.

    As a licensed Singapore moneylender, A E Credit Services is your reliable and promise a fast and efficient source of financial solutions. We guarantee an easy loan application process and promise fast and efficient work system that delivers quality service for our clients.

  • We are committed to offering the ideal solution.

    We listen to our valued clients and are committed to providing the right solution to your financial woes.

  • We understand your need.

    In emergency cases, we prepare ready cash for our clients. Our Singapore personal loan, business loans and foreigner loans applications are also quick and easy.

  • We are here to help you understand.

    Loan packages can be loaded with technical words and terms. As such, we make sure our clients fully understand the terms and conditions of the personal loan agreements. We have friendly and accommodating loan officers to help clients make informed decisions.

  • We do all this because we care.

    We take time to study and analyze your current financial situation and we make sure that we provide a loan package suitable for your needs and capacity to pay. We believe that a personal loan should not be a burden to our clients so we make sure that paying your loans is easy and convenient.



  • Personal Loans – Personal Loan Singapore


    #online loan
    #

    Personal Loans

    Gold Allianze Capital provides personal loans to laborers and professionals alike in Singapore. This loan option is designed to provide a source of quick ready cash for individuals with urgent financial needs. At Gold Allianze Capital, we stress on quality customer service and fantastic and reliable partner for your personal finances.

    Getting a loan from banks can prove to be difficult especially with a less-than-stellar credit record or poor financial standing this is where a licensed moneylender comes in. We understand the circumstances that got you in the situation that you are in and will not discriminate you based on your credit record or poor financial standing. Here at Gold Allianze Capital, we strive to be your partner in achieving control of your finances. There are many licensed Moneylenders in Singapore. Gold Allianze Capital provides one of the most competitive rates available in the market – make the correct choice, choose Gold Allianze Capital as your preferred partner.

    Things to Consider before Taking a Personal Loan from a Licensed Moneylender

    Different moneylenders offer different interest rates on the money loaned. Interest has an impact on the final amount of money you will be required to repay when the time for repay comes. That is why you should compare interest rates offered by various moneylenders. Go from one licensed moneylender to another in your area asking for quotes and then analyze their offers before you consider taking up the loan.

    Reputation of the licensed moneylender

    It is recommended you check the reputation of the lender you are about to borrow money from. When you take a personal loan from a bank, you are sure the bank will not scam you since banks are approved and regulated by concerned authorities. On the other hand, moneylenders can hide the fine details about your personal loan when finalizing the transaction. One way of checking a licensed moneylender reputation is by reading up on other customers’ reviews about the lender.

    Seek services of a professional Singapore Moneylender like Gold Allianze Capital.

    You may not be aware about the financial terms and complications involved with securing a personal loan. That is why it is important you seek the services and help of a professional Singapore Moneylender like Gold Allianze Capital and not just any moneylender. Gold Allianze Capital has established excellent rapport with our clients and enjoy a good reputation in the Industry. We work hard towards forging strong partnerships with our clients and all our dedicated credit consultants are dedicated towards providing the best financing option that best

    matches a client’s need.

    Don’t take more than you can repay

    When applying for a personal loan, go through the contract in detail. Take precautions not to borrow more money than you what you can afford to repay each payment period. You can determine your repaying capability by doing a simple analysis of your income, basic expenses and other financial obligations. It is important not to borrow more than what you can cope with your current standing. If you have any further doubts, feel free to speak to our experienced and friendly credit consultants – they will be more than happy to understand your situation and provide the best advice for your current predicament.



    Personal, Payday and Business Loan in Singapore


    #ez loans
    #

    Loan Details

    Why EZ Loan – Your Trusted Money Lender

    1 We offer simple and transparent personal loans, payday loans and business loan solutions.

    As a responsible moneylenders, our mission is to develop a lasting relationship with our clients and support them professionally at various stages of their financial needs.

    At EZ Loan, we offer both secured and unsecured personal loans. For unsecured personal loans, we provide a small quantum of up to 5,000 SGD.

    Secured personal loans have lower interest since they are backed by collateral. The quantum involved is usually more than 50,000 SGD. Payday loan is meant for short term cash flow needs and are suitable for urgent and emergency situations.

    For Business loans, if you are looking for a minimum of 10,000 SGD in quantum, then we are the right partner for you.

    2 The ISO 9001: 2008 certified money lender company in SG

    With ISO9001 certification, our objective is to offer our clients the best loan solutions at various stages of their lives. As licensed moneylenders, we take pride in offering a comfortable office for clients to relax during the personal loan process and offer the best rates.

    EZ Loan is a company with a core commitment in providing unparalleled customer service and reasonable interest rates to our customers. We value our customers and take pride in servicing them to the best of our ability.

    As an ISO 9001 certified company, our loan application process is transparent and effective to ensure that our valued customers understand the process easily.

    We offer a helping hand in times where they need financial assistance, especially for those who have difficulty in obtaining these personal loans from banks.

    3 Our service-oriented staff value each client’s satisfaction.

    We value all our clients, we listen to your needs and provide you with financial assistance. Our well trained moneylenders work hard to secure you a loan that best suits your needs.

    We are committed to assisting all our customers in getting financial assistance with minimum hassle. Our relationship with our clients are of our core priority and we do our best to be their listening ear and provide them good service and financial assistance with our lowest possible rates.

    We know that taking up a loan can be a stressful affair and we specially train our staff to be patient and obliging to our customers while providing them with detailed information on our offerings.