March 3, 2018

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Posted from: http://www.moneydigest.sg/how-to-find-the-best-personal-loan-without-damaging-your-credit-rating/

A personal loan can help you amass funds that you would require to pay for pressing expenses. However, if you have a poor credit score, you are likely to find it very difficult to get a personal loan approved. A bad credit rating will spoil your chances of acquiring a personal loan. A poor credit score or a poor credit history indicates your failure to pay back your loan amounts. Hence, if you are finding it difficult to get a personal loan approved, you should improve your credit history first.

Often we make the error of assuming that specific factors affect our credit rating when they have no impact. Factors such as your debit card usage, marital status and age have no role in determining your credit score. Other details such as your employment status, bank balance and income have no direct impact on your score, though it might influence your approval.

You will have to give individual attention to the factors that are likely to impact your credit score and the chances of getting a personal loan. Simply getting an appropriate personal loan is not sufficient as you also must have a decent credit rating to benefit from it. If you are looking for a personal loan by taking on a trial-and-error method it will be destructive and fruitless.

Let us look at some tips you can follow to find a personal loan without hurting your credit score:

Pay your dues on time

Even if you fail to pay your credit card bills and other dues on time, try to pay it within a month of the due date. Making payments within 30 days past the due date is accepted normally. By doing so, you can opt for the personal loan of your liking, without worrying about getting rejected. It will also have a positive influence on your credit score.

Avoid applying for personal loans from different lenders

If you are applying for multiple personal loans at the same time, your credit rating is likely to take a hit. This indicates your lack of confidence in obtaining a loan and which will reflect badly on your credit rating. Instead of applying for personal loans from multiple lenders, you must check the prospective rate of interest and eligibility by using a Personal Loan Eligibility Calculator.

Get a quote from the lender of your choice

If you apply for a personal loan formally, the lender will carry out a credit check. It is likely to leave a negative score on your rating. If this takes place often, your score will go down drastically. So, find out if you are eligible for a loan before applying by talking to the moneylender in person and going through the eligibility criteria.

Compare the fees charged by different lenders

Many banks offer low-interest rates but charge substantial supplementary fees. These include high prepayment penalties, excessive processing fees, arbitrary upkeep charges and more. These charges are likely to raise your burden and may lead you to miss a monthly instalment that may eventually damage your credit rating. So before applying, compare the charges and fees imposed on personal loans.

Seek help from non-banking financial institutions

Your chances of getting a loan will enhance significantly if you widen your pool of options. Apart from banks, approach non-banking financial institutions. These institutions are listed with Monetary Authority of Singapore and offer a wide range of loans. Like banks, these institutions also depend on your credit score and history to evaluate your risk as a debtor. However, these institutions may have different packages for different risk appetites.

Your credit score is the most significant financial tool to get the best personal loan. If you have the right credit score, you will easily get the approval for loans at the best available interest rates. As a result, it is very important that you make sure your lender offers you competitive interest rates and simple personal loan eligibility calculator together with other sufrepplementary benefits.

Posted from: http://goodyfeed.com/dont-say-bojio-2-milk-tea-lemon-melon-tea-liho/

What a year it has been uh?

Oh, wait, it is only March.

Okay, I think we all need to pat ourselves on the back for surviving the first two months of 2018.

I mean, so much crap went down, from Chew Eng Han escaping Singapore using a sampan to cigarettes prices increasing, we survived it all.

And March is starting to look tasty as well, with Mcdonald’s chocolate pie and fish and chips!

Now, to make things even sweeter, homegrown bubble tea company, LiHO is having a $2 promo on their drinks.

Yes, for just $2, you can get a cup of Milk Tea (M) or Lemon Melon Tea (M).

Something to cool you down during the hot weather.

And you can upsize your cold drinks for just a dollar!

I mean, after all the savoury food, you need to wash it down with something saccharine.

Terms and conditions apply.

And since this is LiHo’s March promo, it’ll likely to be here for the entire month.

Now you know where to go for a drink, right?

Always quarrel with your bae? Then you need to watch this video and learn this trick on how to resolve arguments without any compromise or apology (and also subscribe to Goody Feed YouTube channel):

[youtube https://www.youtube.com/watch?v=videoseries?list=PLoa9nNa48ZVWkWQTqpjsUuSV2JldQluXY&w=696&h=392]

This article was first published on goodyfeed.com

Read Also

• Don’t Say Bojio: Up to 70{43c154d03bc8d6f3a2e02120576efea76bd463bd1d9aa7d45f68c7a169d43d05} off Branded Sports Products in Taka (Till 6 March)
• Don’t Say Bojio: Up to 50{43c154d03bc8d6f3a2e02120576efea76bd463bd1d9aa7d45f68c7a169d43d05} Off in NTUC Warehouse Club with Free Entry (Till 20 March)
• Don’t Say Bojio: Old Chang Kee Selling Nasi Lemak Curry Puffs!

Do you love writing? Do you want a platform to showcase your works? Goody Feed is looking for part-time writers to join the team! Click here to find out more

Featured image: LiHo Facebook

The post Don’t Say Bojio: $2 Milk Tea & Lemon Melon Tea in LiHo appeared first on Goody Feed.

Posted from: http://www.greatdeals.com.sg/2018/03/02/batman-gotham-city-chronicles-boardgame-kickstarter

“Fight for Gotham City as the heroes or work alone as the villain in a miniatures boardgame”. If this sentence gets you all excited, then you need to take a look at this boardgame on Kickstarter.

Created by Monolith Board Games, Batman: Gotham City Chronicles (GCC) is a 2 to 4 player scenario-based miniature boardgame where one of the players take the role of the villain and controls the criminals of Gotham City.

Visit Great Deals Singapore for the full post.

Posted from: http://www.greatdeals.com.sg/2018/03/02/burger-king-golden-floss-meals-weekend-offer-march-2018

Here’s a good reason to visit a Burger King restaurant near you this weekend.

Only valid for 3 days from 2 – 4 March (Fri – Sun), Burger King is serving their Golden Floss Meals at a low price of $5.80 (U.P.

Visit Great Deals Singapore for the full post.