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| Lender | Annual Interest Rate | Effective Interest Rate | Processing Fee | Monthly Payment |
|---|---|---|---|---|
| Trust Bank | 1.56% | 3.00% | $0 | S$442 |
| Standard Chartered | 1.60% | 3.07% | $0 | S$442 |
| GXS | 1.60% | 3.00% | 1.35% of approved loan | S$442 |
| HSBC | 1.83% | 3.50% | $0 | S$446 |
| CIMB Bank | 1.86% | 3.56% | $0 | S$446 |
| OCBC Bank | 1.98% | 4.19% | 1.0% of approved loan | S$452 |
| DBS | 1.99% | 4.17% | $100 | S$451 |
| POSB | 1.99% | 4.17% | $100 | S$451 |
| Maybank | 2.86% | 5.24% | $200 | S$460 |
| Citibank | 3.45% | 6.50% | $0 | S$471 |
| OCBC Bank | 5.42% | 10.96% | $200 | S$508 |
Investment loans are tailored for individuals and businesses seeking to finance significant opportunities like real estate purchases, stock market investments, or business expansions. These loans offer substantial borrowing limits, competitive interest rates, and flexible repayment terms. However, it’s crucial to understand the associated risks.
Below are some key advantages of using investment loans. Weigh the pros and cons before deciding on an investment loan:
| Personal Loan | Best For | Min. Loan Amount | |
|---|---|---|---|
| DBS Personal Loan | Low Income Earners | S$20,000 | |
| CashOne Persona Loan (Standard Chartered) | Expats in Singapore | S$30,000 | |
| OCBC Cash-on-Instalments | Short Term Loans | S$20,000 | |
| HSBC's Personal Loan | Fast Approval Time | S$30,000 | |
| Citibank Quick Cash | Low Effective Interest Rate | S$30,000 |
Evaluate your investment plans thoroughly to ensure the loan aligns with your financial goals and risk tolerance.
Research and compare multiple lenders, focusing on interest rates, repayment plans, and loan amounts to find the most cost-effective option.
Discuss your plans with financial advisors to gain expert insights and ensure your investment strategy is sound.
Read the loan terms carefully, including interest rates, fees, and repayment schedules, to avoid unexpected costs.
Gather all necessary financial documents, such as income statements and credit reports, to expedite the application process.
Consider secured loans, which may offer lower interest rates if you can provide collateral.
Investment loans can be used for various purposes, including purchasing real estate, investing in stocks, or expanding a business. These loans provide the necessary funds to capitalize on significant investment opportunities.
Investment loans are available to Singapore Citizens, Permanent Residents, and eligible foreigners who meet the financial and employment criteria set by lenders. Typically, borrowers should have a stable income and a solid credit history.
Applicants need to provide identification documents (NRIC or FIN), proof of income (such as payslips or tax returns), employment verification letters, and possibly additional financial statements.
The application process can vary by lender. Generally, online applications are processed quickly, with approvals possible within hours, and funds can be disbursed on the same day or within a few days.
Yes, individuals with existing debt can still qualify for an investment loan, provided they meet the lender’s credit and income requirements. It’s important to demonstrate the ability to manage additional debt responsibly.
Mastering your loan moves starts with understanding the real cost of borrowing. We believe in empowering you with the right knowledge to make smart financial choices, not quick fixes that lead to debt traps. Our commitment is helping you borrow wisely and stay in control of your money.
Read Our Borrowing Guide
.Don't be a fool! #roshi #singapore #lending #borrowing
Trust the original! #roshi #singapore #lending #borrowing
.Don't be a fool! #roshi #singapore #lending #borrowing
Trust the original! #roshi #singapore #lending #borrowing
.Don't be a fool! #roshi #singapore #lending #borrowing
Excellent! ROSHI has found 11 that suit your criteria.
ROSHI Personal Loan
Limited Promotion
Limited Promotion
From 1.88%Monthly Interest Rate
24 MonthsLoan Tenure
$170 - $340Loan Amount
5 Minutes Loan Approval
10 Minutes Cash Disbursement
Up to 1% Cashback*
$20 Grocery Voucher*
GXS FlexiLoan
Account Information
Base Interest Rate
AmountInterest Rate (p.a.)
Fees and Charges
Cheque Book Fee
Eligibility
Age requirement21 - 65 years old
Trust Bank Instant Loan
Account Information
Base Interest Rate
AmountInterest Rate (p.a.)
Fees and Charges
Cheque Book Fee
Eligibility
Age requirement21 - 65 years old
OCBC Extra Cash
Account Information
Base Interest Rate
AmountInterest Rate (p.a.)
Fees and Charges
Cheque Book Fee
Eligibility
Age requirement21 and above
Citibank Quick Cash Loan
Account Information
Base Interest Rate
AmountInterest Rate (p.a.)
Fees and Charges
Cheque Book Fee
Eligibility
Age requirement21 - 65 years old
HSBC Personal Loan
Account Information
Base Interest Rate
AmountInterest Rate (p.a.)
Fees and Charges
Cheque Book Fee
Eligibility
Age requirement21 - 65 years old
Standard Chartered CashOne Personal Loan
Account Information
Base Interest Rate
AmountInterest Rate (p.a.)
Fees and Charges
Cheque Book Fee
Eligibility
Age requirement21 - 65 years old
Maybank CreditAble Term Loan
Account Information
Base Interest Rate
AmountInterest Rate (p.a.)
Fees and Charges
Cheque Book Fee
Eligibility
Age requirement21 - 65 years old
CIMB Personal Loan
Account Information
Base Interest Rate
AmountInterest Rate (p.a.)
Fees and Charges
Cheque Book Fee
Eligibility
Age requirement21 - 60 years old
POSB Personal Loan
Account Information
Base Interest Rate
AmountInterest Rate (p.a.)
Fees and Charges
Cheque Book Fee
Eligibility
Age requirement21 - 75 years old
DBS Personal Loan
Account Information
Base Interest Rate
AmountInterest Rate (p.a.)
Fees and Charges
Cheque Book Fee
Eligibility
Age requirement21 - 75 years old
