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BANK LOAN
BANK LOAN
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DEALER : DOMINIC LEE
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| MOBILE : +65 8245 7482 EMAIL : DOMINIC.LEE@MSN.COM
Singapore
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* PRICE MAY NOT BE AT CURRENT COE OR TAX RATE , PLEASE CHECK WITH DEALER FOR MORE UPDATE
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* TECHNICAL SPECIFICATION AND FEATURE MAY BE VARY FROM ACTUAL VEHICLE, PLEASE CHECK WITH DEALER.
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BANK LOAN
Given the fact that prices of cars are quite high in Singapore, you may not be able or willing to pay the full
(or any) amount in cash. Fortunately, there are many car financing options and many companies offer car loans
There are several different types of loans, each with their own pro's and con's. There are several things to consider.
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 | - Our Loan Service / Insurance includes : - Providing Car Bank Loan @ lowest Rate New and USED Cars @ 1.78% - Providing Car Loan for direct Buyer / SELLER @ 1.88%. - OverLoan of up to $30,000 (Term & condition apply)CALL NOW MOBILE : +65 8245 7482 EMAIL : DOMINIC.LEE@MSN.COM
Singapore
* FOR IN HOUSE LOAN PLEASE CALL. |
Fully finance vs. down payments
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The more you borrow, the more the total interest will be (not in percentages, but in dollars). Obviously, 3% over $100.000 is more than 3% over $50.000. If you have money sitting in the bank doing nothing, you may want to consider a partial financing and pay part of the car with your own money. Ultimately, this will save you several thousands of dollars in the end, depending on how much of your own money you put in.
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There is nothing wrong with taking up a car loan if you need it. However, just be sure you understand how it works. Car loan works differently from home and other loans.
Few things to note:
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•IS interest rate fixed or changeable ?
•IF fixed RATE how DOES IT AFFECT ME ?
•THERE are conditions, WHAT are they ? will there be any tie up ?
•MAY the interest rate of the CAR LOAN alter in future ?
•WHAT happens if a payment is 60 days late ?
•HOW long is the term on the car loan ?
•CAM I pay cash and how will it affect the selling price of the automobile ?
•BUT the loan is an instalment loan, does it use rule of 78 or simple interest ?
•ARE penalize the CAR buyer if the loan is paid off early ?
What are the different loaning from a BANK or Financial company or in house loan?
•AMOUNT of down payment requirement to get the CAR LOAN ?
•AMOUNT of registration , and are these fees included in the CAR LOAN ?
•AMOUNT of any administrative fees from the company ,that not from the loan or LTA ,if so how much are the fees ?
AMOUNT of if payment make by cash , are there charge for CASH TERM from the company? |
___________________BANK AND FINANCIAL COMPANY LIST
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This is a list of insurance companies and intermediaries in Singapore as licensed by the Monetary Authority of Singapore.
BANK RATE @ 2011
BANK
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NEW CARS %
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CASH REBATE
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MAX LOAN TERM
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PRE-O CARS %
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DBS BANK LIMITED
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2.68%
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YES
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10 YEAR (NEW)
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2.68%
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POSB BANK
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1.88%
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YES
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10 YEAR (NEW)
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1.88%
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(OCBC) CORPORATION LIMITED
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1.88%
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NIL
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10 YEAR (NEW)
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1.99%
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| * |
UNITED OVERSEAS BANK LIMITED
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1.88%
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YES
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10 YEAR (NEW)
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1.88%
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| * |
STANDARD CHARTERED BANK
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1.88%
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NIL
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10 YEAR (NEW)
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1.88%
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| * |
BANK OF EAST ASIA
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1.88%
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NIL
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10 YEAR (NEW)
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-
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| * |
BANK OF TOKYO MITSUBISHI LIMITED
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-
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NIL
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10 YEAR (NEW)
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-
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TOKIO MARINE HOLDING , INC
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1.78%
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NIL
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10 YEAR (NEW)
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1.88%
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HONG LEONG FINANCE
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1.88%
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NIL
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10 YEAR (NEW)
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1.88%
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MAYBANK MALAYAN BANKING BERHAD
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1.88%
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YES
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10 YEAR (NEW)
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1.88%
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CITIBANK SINGAPORE LIMITED
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1.88%
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YES
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10 YEAR (NEW)
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1.88%
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| * |
HSBC PRIVATE BANK
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-
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NIL
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10 YEAR (NEW)
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1.88%
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| * |
HITACHI CREDIT SINGAPORE
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1.88%
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NIL
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10 YEAR (NEW)
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1.88%
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| * |
SINGAPURA FINANCE
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1.78%
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NIL
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10 YEAR (NEW)
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1.75%
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| * |
CENTURY TOKYO LEASING
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1.88%
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NIL
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10 YEAR (NEW)
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1.88%
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| * |
GE MONEY
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1.88%
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YES
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10 YEAR (NEW)
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1.88%
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| * | IN HOUSE LOAN | 3.98% ~ 4.98% | NIL | SUBJECTIVE | SUBJECTIVE | ||||||||||||||||
NOTED: BANK RATE ARE SUBJECTIVE TO CHANGE WITHOUT NOTICE
NOTED: BANK RATE IS TO CONFIRMED AT THE DATE OF REGISTER OF NEW CAR OR TRANSFER OF PRE-OWN CAR SUCCESS | |||||||||||||||||||||
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BANK LOAN WITH US !
FOR SINGAPORE CAR APPLICATION LOAN ONLY
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WAIVE OFF
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1ST
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MONTH
INSTALLMENT
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LAST UPDATE 11112011
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