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Personal Loans in Singapore

If you want to pursue a personal loan to pay for school fees, you can benefit from the fact that you can enjoy a fixed repayment term and fixed interest rates. Another advantage of a personal loan is that you can use it to pay for fees from any institution, whereas a study loan is restricted to students from the bank's list of accredited institutions.
Unlike an education loan, a personal loan can be used to pay for more than just tuition fees. You may use your personal loan to pay for essential student equipment such as mobiles, laptops and tablets, additional textbooks and reference material, food and transport costs, and even off-campus living arrangements.
Yes. Taking a personal loan for education will increase your Total Debt Servicing Ratio (TDSR), as it is considered a type of unsecured debt. The TDSR is capped at 60% of your income, and includes mortgage repayments. This means that taking on more unsecured debt will reduce the size of the mortgage you can apply for. When applying for a personal loan for education, be aware that your TDSR will remain elevated for the duration of your loan tenor. Therefore, you should plan to pay off your personal loan before buying an HDB flat or condo to ensure the best chance of getting the mortgage you need.
To get a personal loan in Singapore, you generally need to be 21 years old or older, and earning a minimum annual income of S$30,000. As such, this financing option is more suitable for professionals looking to expand their knowledge at graduate school, or learn a secondary skill.
You can get a personal loan from all major banks in Singapore. We suggest comparing different personal loan options and applying for one with the lowest interest rate. This saves you a lot of money on interest payments. Besides comparing interest rates, see if you can also find a loan with processing fee waivers, promotional rates, and other welcome offers. These bonuses can go a long way into helping you save money and lighten the load of your monthly repayments.

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Save Money in Singapore

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