96 CreditLicense Number: 155/2015
Low interest personal loan available at 96 Credit. We are a licensed moneylender in Singapore. Apply for your personal loan here.Learn More
Go to different banks, and you will receive very many scenarios as a consumer. Banks charge various rates of interest, offer different terms and conditions and the same applies for loans for expats in Singapore.Learn More
Bear in mind your income and financial obligations. Borrow only what you need and are able to repay. Be mindful that if you are unable to meet the contractual terms, the late payment fees and interest payment, it will be a financial strain not just on yourself but also on your family.
A lot of people have trouble managing their finances because they do not keep track of what their spending money on. In order to be financially sound, you should be educated on the different ways to help manage your money. The following article offers some excellent tips that will show different ways to keep tabs on where your money is going. Search for cheaper utilities to get better personal finance. If you have had the same gas company, cell phone plan, or other utility for a while then shop around for a better deal. Many companies will gladly offer you better prices just to have you become their customer. This will definitely put more money in your pocket. Make the move to local banks and credit unions. Your local bank and lending institutions will have more control over how they lend money resulting in better rates on credit cards and savings accounts, which could then be reinvested in your own community. All of this, with good old-fashioned personal service! Buy in Bulk. Stores like Costco and Sams Club are popular for a reason. A single person may not be able to use six cans of peanut butter in a reasonable time, but non perishable items like toilet paper may last you for a year! Buy in bulk what makes sense for you and add up the savings. If you don’t already have one, open an IRA. You can contribute catch-up funds anytime throughout the year to get your maximum interest. This is also tax deductible. So, if you need to find a few more ways to raise those deduction...Learn More
Financial hardship is a very difficult thing to go through, and if you are facing these circumstances, you may need fast cash. For some consumers, a loan can be the way to go. Keep reading for some helpful insights into loans, what you should look out for and how to make the best choice. Do not allow a lender to talk you into using a new loan to pay off the balance of your previous debt. You will get stuck paying the fees on not just the first loan, but the second as well. They can quickly talk you into doing this time and time again until you pay them more than five times what you had initially borrowed in just fees. If you are in need of fast cash, and are looking into cash advance loans, you should always avoid taking out more than one loan at a time. While it might be tempting to go to different lenders, it will be much harder to pay back the loans, if you have many of them. Make sure to stay updated with any rule changes with regards to your loan lender. Legislation is always being passed that changes how lenders are allowed to operate so make sure you understand any rule changes and how they affect you and your loan before signing a contract. Read all the fine print on anything you read, sign, or might sign with moneylender. Ask questions about anything you do not understand. Assess the confidence of the answers given by the employees. Some simply go through the motions all day, and were trained by...Learn More
Whether it is your first credit card or your tenth, there are several things that should be considered before and after you get your credit card. The following article will help you to avoid the many mistakes that so many consumers make when they open a credit card account. Read on for some useful credit card tips. Shred old credit card receipts and statements. You can easily purchase an inexpensive home office shredder to handle this task. Those receipts and statements, often contain your credit card number, and if a dumpster diver happened to get hold of that number, they could use your card without your knowledge. Shop different credit cards before applying to find out the perks each offers. Some offer roadside assistance, while others offer airline perks, like free baggage check. Some will also offer buyer protections, above and beyond what a store offers. Depending on your buying habits, one credit card may offer perks that fit you best. Transferring a credit card balance from a high interest credit card to a card where the rate is less, can save you money every month. Credit card companies offer special introductory rates to attract new business to their credit cards. If you take advantage of one of these offers, make sure that you understand the amount of time that the introductory rate offer lasts. Be aware that you can still have a credit card, even if your credit is not up to par. There are basically two choices to pick from. You could either get yourself a secured card or sign up to be an authorized user on...Learn More
Economic times are hard, and you’re not alone if you’re feeling the effects of the economy on your personal pocketbook. While financial problems can be devastating and worrying, they are not permanent. Below are tips to help guide you on personal financing so you can get out of debt and/or start planning for the future. Don’t throw away money! If you have an item you no longer want, don’t just toss it. Look online or in your local newspapers “for sale” ads to find out what it might be worth then advertise it for sale. If you have quite a few items, have a yard sale. You have spent money to obtain your items, you shouldn’t lose money when you are finished with them. Since you are already paying for them, make the most of all your employment benefits. That could mean going to the doctor and using your prescription card every time you feel under the weather instead of putting it off until the issue causes you to miss days of unpaid work. That could also mean making the maximum matched contribution. To keep yourself committed to saving, earmark the money for an important purpose and set a specific goal. It is far easier to feel good about choosing to save your money over choosing to spend it if you can tell yourself that it is going toward something significant like your child’s college education. One of the most botched personal-finance decision’s people make is the unnecessary purchase of a new car. Because a new car depreciates by 20-30% as soon as it leaves the dealer, it is...Learn More
1. How much can you borrow?
2. What are the interest rates moneylenders can charge?
3. What are the fees that moneylenders can charge?