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Personal Loans

Even after the incentives you receive from the government, having children in Singapore can cost thousands of dollars. Delivery fees alone start at S$3,500 at a public hospital, and you can only claim up to S$1,650 on MediSave. It's not uncommon for new parents to fall short on cash even after saving money for delivery and newborn costs. If this happens, a personal loan can help cover expenses. Unlike a credit card cash advance, which charges an interest rate of 25% p.a., personal loans only have an interest of 8% p.a. New bank customers can sometimes get interest rates as low as 4% p.a. These lower interest rates mean lower monthly repayments, which give more room in your budget for your growing family.
Depending on your credit history and the bank's policies, you can borrow up to 4 times your monthly salary. In general, you must have an annual income of at least S$30,000 to qualify for a personal loan. So if this is your salary, you can borrow around S$10,000.
You need to be at least 21 years old, and earning a minimum annual income of S$30,000 to get a personal loan in Singapore. Salaried employees and commission-based employees must send a scanned copy of your NRIC (front and back), latest 12 months' CPF Contribution History statement, Latest Income Tax Notice of Assessment or latest computerised payslip.

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