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Personal Loans

It's always best to save and pay for your holiday in full. But if you don?t have the cash at hand, funding your holiday with a personal loan is will save you more money than using your credit card. If you can?t pay your credit card in full and on time, you have to pay a high interest rate of around 25% p.a. Plus late fees. Personal loans, on the other hand, have interest rates that start at 8% p.a. and rarely go higher than 20% p.a. This saves you a lot of money on interest payments.Do note that you need to borrow at least S$1,000 to qualify for a personal loan in Singapore. If you don?t need to borrow this much for your holiday, consider getting a line of credit instead.
The first major risk of getting a personal loan for your holiday is missing your monthly payment. If you don?t make space in your budget for your monthly payments, you may have to pay late fees and your credit score will take a hit.The second risk has to do with your Debt Servicing Ratio (DSR). If you are planning to buy your first flat, getting a personal loan can decrease your chances of getting a mortgage. That's because getting loans will lower your DSR - a figure that measures your debt obligations against your income. Ideally, your outstanding debts (including your mortgage) must not be greater than 60% of your income. So unless you are willing to put off buying your first HDB flat until your debts have been cleared, you may want to rethink getting a personal loan to fund your holiday.
The best personal loan for your holiday is the one with the lowest interest rate. By finding a low-interest loan, you save yourself 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 that will lighten the load of your monthly repayments.

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