At a very young age I saved money for me to avail an insurance that can help me with my expenses if something horrible happns to me. I admit that I do not take care of my health that much that is why I need to ensure my expenses is secured if something unfortunate happens. Preparing for the future cannot harm the present. It will ease you afterwards.
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UOB does not offer the cheapest car loans in Singapore, due to its higher than average interest rates. However, the bank can be a good source of financing for individuals that are unable to obtain less expensive loans.Additionally, UOB's HP50 car loans give borrowers added financial flexibility. This is because these loans allow borrowers to pay as little as half of their regular monthly instalments for the first 59 months of a 5-year loan. In the final month of this loan, borrowers can choose to either fully repay their loan with one final instalment, trade their current vehicle for a new car or enter a sell and lease back scheme with their dealer.
1st Credit Debts Consolidate Loan / 1st Credit SG
Debt consolidation loans from Standard Chartered are a part of a debt consolidation plan. The plan consists of the loan and a Platinum MasterCard. Effective interest rate of 7.70% and loan lengths can stretch from three years all the way through to ten years with regular fees for the Platinum MasterCard charged. They charge a joining fee of S$199 and S$250 for early redemption fee
Standard Chartered Debt Consolidation Plan / Standard Chartered Bank Singapore
Debt consolidation loans from Citibank allow you to merge debts into one account with a fixed interest rate. Citibank bundles the debt consolidation loan into the Citibank Debt Consolidation Plan. This plan also provides you with a capped revolving credit facility, to be used as a payment method for daily expenses. If you need to get your debts organised, consider a debt consolidation plan from Citibank.
Citi Debt Consolidation Plan / Citibank Singapore
OCBC's debt consolidation loans charge slightly higher interest rates compared to those of other lenders in Singapore. For this reason, the bank's product is not the most affordable. On the other hand, individuals who are unable to obtain the most affordable debt consolidation loan offers could consider applying for OCBC's Debt Consolidation Plan as a backup option. Unlike its competitors, OCBC does not charge a processing fee and it does not list rates "from X%", which suggests that its rates are more transparent and accessible. Another drawback of OCBC's debt consolidation loans is that they are only offered for tenures of 3 to 8 years, which is restrictive for individuals that would prefer a longer or shorter term debt consolidation plan.
OCBC Debt Consolidation Plan / Oversea-Chinese Banking Corporation
UOB's debt consolidation plan is best viewed as an expensive alternative to other plans because the bank advertises interest rates that are higher than those of its competitors. Borrowers that have not previously used UOB's services are however eligible for slightly better rates but it is unclear what rates these borrowers will receive in due to the vague wording on the UOB's website
UOB Debt Consolidation Plan / United Overseas Bank
Maybank's promotional interest rates for its debt consolidation loans are as low as 3.88%; EIR 6.92% making it an affordable option for borrowers that are able to obtain the bank's best rates. Additionally, Maybank is offering a cash rebate of S$388 to approve applicants. Maybank's current promotions for its debt consolidation plans make these loans a competitive option.
Maybank Debt Consolidation Plan / Maybank Singapore
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Insurances covers medical bills, hospital bills and surgical bills. It can depend on what insurance you availed before. But most of the insurance that are being offered has medicinal coverage/ hopital coverage that will help you with the expenses. Saving for the future at a young age makes your life easier.