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SpinDistribute.com Article Directory

The following article was published in our article directory on June 28, 2013.
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How to Search for a Good Personal Loan Singapore

Article Category: Finances

Author Name: Dean Wang

Getting personal loan Singapore is always a big decision regardless of how much you are borrowing. The fact is that once that loan is approved, you'll find yourself obligate to paying off the borrowed amount plus interest for several years. This is always a big burden to a person's finances, especially if they've taken something that doesn't really match with their financial capabilities.

This is why borrowers are advised to be circumspect before getting a loan. Considering the enormity of the responsibility, they need to make sure that they are getting a personal loan that is well within their means. To do this, following are some strategies on how to choose a good personal loan Singapore.

Loan Type

The first thing to consider would be the type of loan you want. You basically have an option between secured and unsecured loans. Note though that some personal loans can be categorized depending on what they are for. Example, you might need an auto personal loan or a home personal loan. If you can make it specific then your chances of getting approved becomes higher.

Credit Limit

Consider the amount you want to borrow. Note that your credit may be limited by different factors such as the type of loan you want and your credit history. Banks are more open for large loans if you've got collateral and an exemplary credit score. A bad credit history however might lower your credit limit. A good advice here is to computer for the exact amount you want and perhaps add 10% for leeway. Lower loan amounts will increase your chances of being approved.

Interest Rates

Interest rates are dependent on your credit risk. If the bank sees the applicant as a good borrower, they stand a better chance of getting minimum interest rates. Note that interest rates are negotiable, but you have to know exactly what you're worth as a borrower. For people with good credit scores, you have the chance to demand better rates from the bank. This is why you need to order your credit history before applying, therefore giving you room to maneuver.

Loan Schedule

This refers to how long you have to pay for the loan. It could be 12 months, 24 months or more. Typically, shorter terms mean lesser overall interest rate payments. It's important to find a balance between the two so that you wouldn't find yourself paying the loan for years.

Your Bank

Your bank should be the first choice when seeking a personal loan. Having a substantial amount in their coffers will increase your chances of being approved, especially if you're already a long-time customer. In fact, some banks offer perks to account holders that are seeking personal loans from their lending brach.

The most important thing to remember when looking for personal loan Singapore options is that there are many choices. Do not confine yourself to just a handful of banks or lending institutions. Instead, take the time to search and compare each aspect of the loan in order to get the best results possible. Also note that there are also some hidden fees that the lender may not explicitly point out. Make sure to read the terms and conditions to be sure of what you are paying for every month.

Keywords: Personal Loan Singapore

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