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Personal Loans

If you have steady employment, a good credit history, and little to no debts, a personal loan may be a good option for financing your wedding. However, if you are planning to buy your first flat, taking out any loans can decrease your chances of getting a home loan. Doing so will lower your Debt Servicing Ratio (DSR) ? a figure that measures your debt obligations against your income. Essentially, your debts (including your mortgage) must not be greater than 60% of your income, but getting a personal loan can affect this amount. 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 wedding.
Depending on your credit history and the bank's policies, you can borrow as much as 4 times your monthly salary. Most banks require you to have an annual salary of at least S$30,000 to qualify for a personal loan. So if you earn this much, you?ll be able to borrow around S$10,000 for your wedding.
Interest will be your biggest concern when signing up for a loan of any sort. The right personal loan for your wedding should have the lowest Effective Interest Rate, or EIR. The EIR serves as a more accurate reflection of the loan's annual costs. This includes not just the interest, but processing fees and other related costs. Besides examining APRs and other fees, check if there are fee waivers or welcome offers that will reduce the burden of your monthly repayments.

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