ဘဏ္ေတြမွာအေရးေပၚေငြေခ်းျခင္း အပိုင္း(၁)

POSB Personal Loan!

တခါတရံ အေရးေပၚေငြလိုတဲ့အခါ ဘယ္ေနရာမွ ေငြေခ်းငွားလို႔မရပါဘူး၊ ဒီမွာရွိက်တဲ့ သူငယ္ခ်င္းေတြ ကလဲ သူတို႔အိမ္စရိတ္၊ခေလးေက်ာင္းစရိတ္ေတြ ဘဏ္ေခ်းေငြေတြႏွင့္ လံုးခ်ာလိုက္ေနက်ေတာ့ အပိုစုမိဖို႔ဆိုတာေ၀လာေ၀း ေရာ ေပါ့ေနာ္! ဒါေတြေၾကာင့္ဒီမွာ ဒီကစကၤာပူေတြ ျပဴးျပဴးေျပာင္ေျပာင္လက္၀တ္ရတနာအစစ္ေတြ၀ယ္၀တ္ႏိုင္တဲ့သူေတြ နဲေနရသကိုး! ရတနာအစစ္ေတြကိုျပဴးျပဴးေျပာင္၀တ္ရင့္ ႏိုင္ငံျခားသားဘဲသိတာါတယ္ေလ! ဗမာျပည္မွာကခေလးေတြအစလူႀကီးေတြအဆံုး ေရႊနားကပ္၊လက္စြပ္ႏွင့္ဟန္းခ်ိမ္းေတြကိုမွ လက္ေရာ ေျခေထာက္မွာေရာ ရႈပ္ယွက္ခပ္ေနတာေပါ့ေနာ္!

         ဒီကိုေရာက္ေရာက္ခ်င္း အံၾသေနမိတယ္ေလ! ေရႊဆိုင္ေတြမွာ ဒီဇိုင္းလွတဲ့ စတီးႏွင့္လုပ္ထားတဲ့ လက္၀တ္ လက္စားေတြေရာင္းလို႔ေလ(အျပင္ကေနၾကည့္ရင္ ေစ်းကခ်ိုုဳၿပီးပလက္တီနမ္လို႔ထင္တာ ေမးၾကည့္ေတာ့ စတီးတဲ့ဒါေၾကာင့္ေစ်းေပါေနတာကိုး!)

      ဟင္း! ဒီမွာေနရတာက အဆင့္နိမ့္အိမ္၀ယ္လို႔ရေအာင္ အစိုးရက ပံုမွန္၀င္ေငြရွိရင္၀ယ္ခြင့္ေပးၿပီး လိုတဲ့ေငြကို ဘဏ္ေငြတိုးေခ်း ေပး တာ တခုဘဲသာတာေပါ၊ ဒါကလဲ စကၤာပူေတြႏွင့္ ပီအာဆိုတဲ့ ယာယီႏိုင္ငံသား အသိအမွတ္ျပဳေတြဘဲခံစား ခြင့္ရပါတယ္၊

           အခုလဲ ေငြေခ်းခ်င္တဲ့ ပီအာဆိုတဲ့ယာယီႏိုင္ငံသားအသိအမွတ္ျပဳေတြြ ဘဏ္ေတြမွာေငြေခ်းလို႔ရတယ္ ဆို တာကိုေျပာခ်င္တာပါဘဲ!

         မိမိရဲ႕၀င္ေငြတႏွစ္၀င္ေငြ စကၤာပူေငြ၃ေသာင္း ဆိုရင္၂ဆႏွင့္ ၃ေသာင္းေက်ာ္ရင္၄ဆ ေလာက္ ရပါတယ္၊ ျပန္ဆပ္ရမဲ့ကာလာက ၁၂လ၊၂၄လ၊၃၆လဆိုၿပီးရွိပါတယ္၊ အတိုးႏႈံးကို ေအာက္မွာၾကည့္ လိုက္ပါ၊   ႀကိဳက္သလိုယူႏိုင္သလို လစဥ္ေပးရမဲ့ေငြကို တြက္ခ်က္ၿပီး ပံုမွန္လဆန္းမွာေပးဆပ္ရပါတယ္၊ ဘာေတြလိုလဲဆိုေတာ့ တႏွစ္စာ CPF ႏွင့္ IC copy ေတြဘဲလိုပါတယ္၊ ၂ရက္ေလာက္ၾကာတတ္ပါတယ္၊  အားလံုးအဆင္ေျပရင္ ဖုန္းထပ္ေခၚ ပါတယ္ရၿပီေပါ့!

         သူတို႔ရဲ႕internet ကေနေလွ်ာက္လို႔ရပါတယ္! ေလွ်ာက္ၿပီးရင္ သူတို႔ဖုန္ေခၚၿပီးနဲနဲပါးပါးေမးပါတယ္ အက်ိဳးေၾကာင္းေျပလည္ေအာင္ေျပာၿပီး အျမန္လိုရင္ အျမန္လုပ္ေပးပါတယ္၊ဘာမွမခက္ပါဘူး! တျခားဘဏ္ေတြလဲ အတူတူပါဘဲဆိုတဲ့အေၾကာင္းေျပာခ်င္ပါတယ္! အဲ! ဘဏ္ကိုသြားရင္လဲ ပိုျမန္မယ္ထင္တယ္ေနာ္!

      ဒါေတာင္ ေက်ာ္ျငာထားတာ ၅မိနစ္တဲ့! ဒါကေဖာင္ျဖည့္တာကိုေျပာတာေနာ္! ေငြရဖုိ႔မဟုတ္ပါဘူးဆိုတာ သိဖို႔ေတာ့လိုတယ္ေနာ္!
အဲ! ဗမာျပည္ကရံုးေတြႏွင့္ ဆီႏွင့္ေရလိုဘဲ ေတာ္ေတာ္ကြာတာကိုေတြ႕လိမ့္မယ္?
Customer first  and right ဘဲ!

ကဲ! အေပါင္းအသင္းမ်ား အေရးတႀကီးေငြလိုရင္ စမ္းၾကည့္ပါအံုးလို႔!

POSB iBANKING

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Personal Loans

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Home Loans

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Micro Business Loan

• MicroCredit Business Scheme

Loan Assist - Affordable Personal Loan

Overview | Benefits | Eligibility | Quick Tips I Want To Apply Now Overview Here is your opportunity to take control of your finances with a personal loan that comes with a low interest rate and up to 4 times your monthly income. Fixed interest rates and easy application An affordable loan that offers fixed interest rates depending on your loan tenure. What's more, you don't need guarantor or collateral to apply. Better control of your finances Spread your loan over fixed monthly instalments with your choice of loan tenure between 1 to 5 years. Interest rate table for income earner of $30,000 per annum or more Approved Loan Amount (Up to 4x monthly income) <S$3,000> <S$10,000> <S$25,000> Less 3% Processing Fee 3% Less 1% Insurance Fee 1% Disbursed Loan Amount S$2,880 S$9,600 S$24,000 Loan Tenure AIR (% p.a.)^ EIR (% p.a.)* Your Monthly Repayment Amount 1-year 5.88 18.48 S$265 S$883 S$2,206 2-year 5.88 15.04 S$140 S$466 S$1,165 3-year 8.88 6.18 14.25 S$99 S$330 S$824 4-year 8.88 6.18 13.48 S$78 S$260 S$650 5-year 8.88 5.68 12.09 S$65 S$214 S$535 Loan Amount (S$) Tenure 3,000 - 150,000 1 -5 years Interest rate table for income earner of $20,000 to less than $30,000 per annum Approved Loan Amount (Up to 2X monthly income) S$3,000 S$3,500 S$4,000 S$4,500 Less 3% Processing Fee 3% Less 1% Insurance Fee 1% Disbursed Loan Amount S$2,880 S$3,360 S$3,840 S$4,320 Loan Tenor AIR (% p.a.)^ EIR (% p.a.)* Your Monthly Repayment Amount 1-year 10 25.91 S$275 S$321 S$367 S$413 2-year 10 22.42 S$150 S$175 S$200 S$225 3-year 11 22.57 S$110 S$123 S$148 S$167 4-year 11 21.53 S$90 S$105 S$120 S$135 5-year 11 20.74 S$78 S$91 S$104 S$117 Loan Amount (S$) Tenure 3,000 -< 5,000 1 -5 years Note: Minimum Loan Amount is S$3,000. (These numbers are meant for illustrative purposes only and should not be taken to be a guarantee of the actual, future or likely figures) ^ Applied interest rate. * Effective interest rate (inclusive of 3% processing fee and 1% insurance fee) * Lower interest rates are only applicable to applicants with annual income of S$30,000 or more and for loan approved with loan tenor of 3-5 years. Processing fee of 3% and Insurance fee of 1% each will be deducted upfront from the approved loan amount Please be informed that with immediate effect, the provision for disclosure of information in the terms and conditions governing each of the Bank's unsecured loans facilities has been revised to allow disclosure of information to any person or organisation involved in the sending or delivering of any communication to your last known address on our records. Communication will include all forms of direct mailers and advertisements (including messages printed on envelopes with DBS' name and logo). Eligibility Application Requirements for POSB Loan Assist Nationality Age Minimum Gross Annual Income Singaporean or Permanent Resident 21 - 65 years old S$20,000 & above Foreigners, retirees are regrettably not eligible to apply Note: Existing POSB Loan Assist or POSB Loan Assist Plus and DBS Cashline customer are not eligible to apply Mandatory Document For salaried Employees NRIC (front and back), AND either a OR b OR c a. Latest 12 months' CPF Contribution History Statement+ b. Latest Notices of Assessment** and Latest Computerised Payslip c. Salary Crediting into POSB/DBS Account^^ For Variable Income Earners NRIC (front and back), AND either a OR b a. Latest 12 months' CPF Contribution History Statement+ b. Latest 1 year's Notice of Assessment** For Self-Employed/Fully Commissioned Earners NRIC (front and back), AND latest 2 years’ Notices of Assessment** + Please note that your CPF documents submitted online are only available for up to 7 days from the date of your submission. ** You can now print your Income Tax Notice of Assessment at myTax Portal with your SingPass or IRAS PIN. The service is free. Log on to https://mytax.iras.gov.sg for more details. ^^ Income documents are not required on the condition that your salary is credited via Giro, to your own Personal POSB/DBS Account and for at least 3 consecutive months. Please allow 7 working days for processing. Applications not accompanied with required documents or with incomplete information will cause a delay in processing. Ref:POSB BANK Credit@ Ko Nge