How is Your Credit Score Determined

How Is Your Credit Score Determined

Your credit score for a loan is determined based on payment history, debts currently owed, credit history, new credit and type of credit. These 5 factors are the main components used to tally your credit score. Other than a credit score, authorized moneylenders may take other ancillary factors into consideration
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Top 5 Reasons Why You Need to Have A Financial Plan

Financial planning is a necessity for everyone. It is essentially keeping aside an amount of money for a specific goal or purpose. The most basic form of financial planning is to save up your money in a piggy bank. What we would usually do is to open a bank savings
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Top Saving Tips For Graduates In Singapore

Top Saving Tips For Graduates In Singapore The end of graduation marks the beginning of independence. It is time for you to live responsibly and embrace the endless opportunities that await you. You’ll be moving out of campus, entering a full-time job and becoming financially independent.What you do with your
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What Are The Different Types of Loans Available in Singapore

Financial difficulty can hit anyone and at any time. There is no shame in falling into financial difficulty due to external forces or unforeseen circumstances. Alternatively, there are times where big opportunities come knocking yet you do not have the financial capital to capitalise on them. What then can you
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What to Consider Before Engaging in a Moneylender in Singapore

A moneylender is an individual or group who lends money in exchange for interest being topped up on top of the principle when paid back. If you are in urgent need of a cash or capital injection, then a moneylender could certainly help you to finance your current venture. However,
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When Should You Get a Foreigner Loan

As a foreigner, any emergency that strikes can place you in highly unfavourable circumstances. Be it a road accident or an illness, you could be placed out of work for some time. During which, you will have no reliable source of income and yet still be burden with increased debt.
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The Difference Between Secured Loan and Unsecured Loan

When taking out a loan from a financial institution, you will need to decide between a secured and unsecured loan. Each of which has different terms and conditions that regulate how the exchange proceeds. Which should you be taking? As an experienced and licensed moneylender in Singapore, we often come
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Questions to Ask a Licensed Moneylender in Singapore

Have you been searching for loan providers who can help you get the capital needed at the moment? Feeling confident of picking one and proceeding to enter the agreement with them? If so, we implore you to hit the pause button on that. Take a breath and look at the
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Pros and Cons of Payday Loan in SG

There are times when emergencies arise, and we need money. In this case, a payday loan presents itself as a quick solution to our problem. However, there have been debates about the grounds for getting a payday loan. This article will help you get a better understanding of the pros
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How To Use Personal Loans To Your Advantage

A common misconception that people have is that it is bad practice to get loans or credits. Well, this is not entirely true because obtaining a loan could be the perfect option for your financial situation. So long as you know how to manage your finances and use it for