After applying for a DBS Personal loan, what can I next step should I expect?

Assuming that you are taking up a loan at $5,000 at 3.88% p.a. for 2 years (EIR 8.20% p.a. inclusive of 1% processing fee), your monthly instalment will come up to be about $224.50 and there will be no change to it throughout the tenure of the loan. Monthly interest and principal are apportioned differently; in the earlier instalments, a larger portion of your monthly instalment goes towards paying off the interest on the loan. The interest portion will be reduced gradually with each instalment.

ขอคำแนะนำหน่อยและปรึกษาว่าจะต้องดำเนินการยังไง ฉันคิดทบทวนแล้วฉันส่งไหว ทุกวันนี้ปันหาเรื่องเงินรายวันหนักกวา่เงินค่าดอกเบี้ยอาทิตละหมื่นกวา่บาทฉันยังสู้หามาได้เป็นเป็นเดือนๆแค่นี้ฉันหาส่งไหวอยู่แล้ว ฉันอยากเอามาจ่ายค่าเทอมไห้ลูกไวๆวันนี้ได้ยิ่งดี ฉันอยากเห็นความสำเร็จของลูกฉันก็หายเหนื่อย อยากไห้ท่านที่ปรึกษาทุกท่านช่วยเหลือด้วย ฉันไม่ได้ต้องการกู้เงินหลักล้านฉันแค่ต้องการกู้เงินหลักแสนนิดๆได้โปรดช่วยฉันไห้หลุดจากนรกหลุมนี้ด้วย

Just like in any country, there aren't many investments that guarantee your principal as well as returns in Singapore but of those that do, you should be very careful of scams. One other thing to understand is that when you get to enjoy such safety in your investments and visibility in your cashflows, you need to be prepared to accept a rate of return that is close to the risk-free rate. Your first bet is to invest on Singapore Government Treasury bills and/or Singapore Government Bonds. You can also try investing on saving plans or fixed deposits but the returns are low. If you want higher returns then you really need to invest on high risk investments.

At first it might sound lika a hoax but since this is Singapore where possibilities are limitless. There is a company called Circles.Life that offers a free sim only plan. Their plan includes 1GB of data, 30min talk time and 10 SMS every month for S$0. This is perfect for someone who just needs a sim card for emergency purposes or someone who needs a line so they can be reached but does not use their phone much. TPG also offers one which includes 2G of data/day but you can;t use it for calls and SMS.

There are a lot of cheap plans but the best that provides what you are looking for are StarHubGiga and M1 which offers, 1,000 SMS, 1,000 min of calls and 25-30GB of data for only S$25.but if you're looking for something cheaper but still somewhat decent, you could try Zero1 though you will encounter speed reduction after 1GB of mobile data use.

A bond is debt instrument that a government or a company issues to raise money.. Bonds are low-risk, stable and predictable investment. Investors earn from this because the investors act as a lender and the government acts as the borrower.