Home Furnishing Loan

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www.tcc.org.sg

THINGS TO CONSIDER BEFORE OPTING FOR A HOME LOAN:

THINGS TO CONSIDER BEFORE OPTING FOR A HOME LOAN Home loans are a suitable way to obtain money for your future home via trusted sources. Whether you are a beginner or an experienced buyer, you need to keep certain factors in mind before you can go ahead and get started with the process of getting a home loan. Let’s take a look at some of the tips before you apply for a mortgage . Clear your bills on time Sudden Employment changes: Research Make sure it’s affordable: www.tcc.org.sg

CLEAR YOUR BILLS ON TIME:

Now, when you apply for a home loan, your bank checks your credit history, and if you fail to show a good one, it can affect your ability to get the loan sanctioned. You should pay up all you remaining bills and also do this on time. Your credit score can be negatively affected by late payments. The rate and amount you receive in the loan can vary about your credit score. CLEAR YOUR BILLS ON TIME www.tcc.org.sg

SUDDEN EMPLOYMENT CHANGES:

SUDDEN EMPLOYMENT CHANGES If you are preparing to opt for a loan, ensure that you have a stable source of income that will help you clear your debt easily. Even the decision of sanctioning a loan to you by the authorities hugely depends upon your income status. The officials judge whether you are capable enough of returning the loan in time. Meanwhile , you can opt for Debt consolidation to help clear out any prior liabilities which are obtained from insecure sources. www.tcc.org.sg

RESEARCH:

RESEARCH Each bank has their own set of rules and regulations along with benefits associated with any loan. It can be very difficult to know which one suits you the most. You should learn the basics of getting a loan such as the fixed rate, FHA, adjustable rate or VA home loans. Compare each loan offer given by various banks to derive a decision as to which one holds the highest benefit. www.tcc.org.sg

MAKE SURE IT’S AFFORDABLE:

MAKE SURE IT’S AFFORDABLE After you are done with the research and decided the best option, it’s time to check if the associated EMIs are affordable. Do not buy something that is so lavish that you end up selling it again just to repay the loan. Keep in account your monthly budget and savings so that you do not have to invest in something that you can’t return. www.tcc.org.sg

HOME FURNISHING LOAN:

HOME FURNISHING LOAN Make sure you do not have other loans that still need to be paid. Bearing the burden of more than one loan can put heavy pressure on your mind. Home furnishing loan Singapore helps you get the best deal available to help ease the pressure of getting a loan. www.tcc.org.sg

CHOOSE A REPUTED COMPANY:

CHOOSE A REPUTED COMPANY Getting a loan granted by a shady company can sometimes land you in unwanted troubles. Some organizations lend money at a rate which attracts consumers, but later they change the rates or time as per their wish without even informing the customers. Avoid getting in such shady situations.

TCC CONTACT DETAILS:

TCC CONTACT DETAILS Address : 95 Killiney Road Singapore 239537 Opposite SingTel Comcentre Near Orchard Road and Somerset MRT. Call Center 6319 3700 Human Resource 6319 3704 Email :  info@tcc.org.sg TCC's E-Teller :  www.tcc.org.sg Fax :  6738 1977 / 6737 0735 Office Operating hours :   Monday to Friday : 8.45 am till 6.00 pm Saturday : 9.00 am till 1.00 pm Closed on Sundays and public holidays. Contact Centre Operating Hours : Monday to Friday : 8.45 am till 6.00 pm Closed on Saturdays, Sundays and public holidays.

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