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Live Your Dreams With Personal Loans In Singapore

By Author: linda fernandes
Total Articles: 2

Life can become very cruel without money. Especially in a world of sky-rocketing prices and never ending demands of friends and family, you may always be in need of money to meet your daily expenses or even to go to that long-plannedvacation for your anniversary. Do not disappoint your spouse or kill your dreams, just opt for a personal loan in Singapore. This will solve all your financial mess. Personal loans are loans which are sanctioned for your personal needs as child care, health, education for your kid, vacation, etc. They are usually given for a shorter period of time, i.e. less than five years’ time. They are granted in cash.

Fulfill requirements
To check your eligibility, contact a reliable moneylender and check with the details. There are few documents you need to provide with if you need a personal loan Singapore to prove that you are either a permanent resident of Singapore or a Singaporean. You need to provide any identity card, proof of residence (phone bill or any letter which was or addressed to you). You should be a full-time job. If you are employed with any private company, you need to show recent pay slip. However, if you are self-employed, make sure to bring an assessment report of the last two years. Another document that you need to furnish is your E-PASS.

Things to remember
Remember to approach only a licensed lender for personal loan Singapore. They have financial experts working with them who can provide with the best plan after assessing your income and needs. Therefore, choose the ones registered under IPTO (Insolvency and Public Trustee Office). You can check their credibility anytime opposed to the local pawn shops. They also provide online services. Therefore, the money is transferred to you easily and repaying for you also becomes easier. They are reliable and their working process is much faster than the banks.

Repayment option
There are a variety of repayment options from which you can choose. There are bi-weekly, weekly and monthly installment options. Fixed rates of interest are charged, therefore, you can pay the same amount of money in every installment. You can repay through cash, cheque, and online transfer. The interest rate is generally a bit less for those who make the application online. You tend to get certain advantages if you make an early repayment; you are provided with rebate interest. Therefore, earlier you repay, smarter you deal with your finance.

Recent trends
In the face of many recent cooling measures introduced by government, the banks have become more cautious while sanctioning loans. They check the credit score of the customer, and the process becomes both time-consuming and irksome. Sometimes even after so much procedure, the bank finally may not sanction the loan. Therefore, the best solution for you is turn to the authorized moneylenders for a personal loan in Singapore. However, there are few things that you need to keep in mind are that you should plan your finances better, refrain from over-spending, and borrow only what you can pay back to avoid embarrassment and trouble.

To more information about Personal Loan in Singapore click here

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