Actually, I belong to a poor family. And my dad works in a small shop and mom does the stitch. So that could run home expenses. So I've to do study from any good college and in my life, I want to get something a big success. So that I could solve the money problem of my family. Hence for it, I should loan from the bank to complete my dream. But to loan, what will I have to do?
Citi Personal Loans / Citibank Singapore
The OCBC ExtraCash Loan is a true personal loan as it allows you to borrow up to 6X your monthly salary. However, I must warn that the interest rate is kinda high. If you don’t require that much money, I recommend that you consider the OCBC Cash-on-Instalments loan which is slightly cheaper. However currently with OCBC personal loan, you can get a MoneySmart exclusive rate of 3.5% (7.27% p.a.) for new loan customers with only 1% processing fee. For existing loan customers, you pay an interest of 4.7% p.a. (EIR 9.46% p.a.).
OCBC ExtraCash Loan / Oversea-Chinese Banking Corporation
With the Credit Card Funds Transfer, you can get interest-free cash in 15 minutes from as low as 0.7% processing fee (EIR from 2.83% p.a.) and also freely choose your preferred tenure of 3, 6, 9 or 12 months. Although they offer a 0% p.a. interest rate, this is valid for a Credit Card Funds Transfer with a 3, 6, 9 or 12 month tenure and is only applicable to the amount transferred pursuant to the application submitted in respect of this promotion. The prevailing interest rate of 26.9% p.a. applies after the expiration of the tenure indicated in the application form.
Standard Chartered CashOne Personal Loan / Standard Chartered Bank Singapore
If you need to borrow a large amount but cannot afford a big monthly repayment, then you should give consideration to the HSBC Personal Loan. This HSBC personal loan offers the longest loan tenure of 7 years in Singapore which means you’ll be paying 7 years’ worth of interest. HSBC is also great for those who need cash urgently as you can get approval-in-principle within one minute and receive the money the next working day. Isn’t that just wonderful?
HSBC Personal Loan / HSBC Bank Singapore
The CIMB CashLite personal loan is based on your available credit card credit limit therefore you have to be a CIMB cardholder to apply for it. One other good thing CIMB credit cards have is that there are no annual fees but CIMB doesn’t publish their interest rates online. The actual interest rate is personalised based on your risk profile and credit history so you might very well end up with a higher interest rate than advertised.
CIMB CashLite / CIMB Bank Berhad Singapore Branch
To apply for a UOB Personal Loan, you’ll need either a UOB CashPlus account or UOB credit card as UOB draws from your credit card limit. If you’re new to UOB, you can apply for a credit card and personal loan at the same time but note that terms & conditions like the fee schedule of the credit card will also apply to your UOB Personal Loan. UOB bank is one of the few banks that provide instant approval for personal loans for submissions between 7am to 8pm by new UOB customers.
UOB Personal Loan / United Overseas Bank
No Name
Actually, you must need to be a Singaporean/PR aged 21-62. And you must have a minimum income of $12,000 p.a. Your parents or a sponsor can apply for a loan (for you) ... And your loan guarantor (if applicable) must have a minimum income of $30,000. But as like you told that you're from a poor family. From my idea, whose of home income will not $12,000. Hence it's a big problem to take loans for study. But don't worry, I've an awesome idea for you. Listen to me carefully. You can take the support of your any best friend and from my idea, you'll have to best friend whose income will be good who could help you. If you don't have any friends so you need to search who could finish your problem. When you get best friend so you can get loans through him. And then when you get succeed so you've to paid that loans.