Can anyone care to share details of the BOC $martLoan that offers a fixed monthly repayment period of up to 7 years. I caught a bit of advertisement about a repayment of just S$6 a day, which can afford extra cash of up to S$10,000. Also what are the benefits of the Bank of China $martLoan?
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BOC $martLoan interest rate and processing fee is applicable to the amount granted under approved BOC $martLoan only and all interest are charged and payable at the rate provided in your BOC’s Approval Letter. Interest is calculated based on a reducing balance method of computing interest amount on the principal balance (and not on the original loan amount) that reduces with repayment of each loan instalment. BOC $martLoan applied interest rates are at 12% p.a. for 12-month to 60-month loan and 15% p.a. for 72-month to 84-month loan. Effective interest rates are at 18.72% p.a. for 12-month loan, 15.73% p.a. for 24-month loan, 14.69% p.a. for 36-month loan, 14.18% p.a. for 48-month loan, 13.86% p.a. for 60-month loan, 17.05% p.a. for 72-month loan or 16.89% p.a. for 84-month loan. A non-refundable processing fee of 3% of the approved loan amount or S$150 applies, whichever is higher while a processing fee will be added to the approved loan amount. Benefits include one of the lowest interest rate, one of the longest repayment period, fixed monthly repayment amount, Interest saving with reducing balance method, Complimentary MoneyPlus Line of Credit with lowest interest rate for your daily necessities.