Financial Help For First Time Home Buyers

Financial Help For First Time Home Buyers – Accredit Pte Limited, awardee of the pilot program of the Ministry of Law, is a new generation licensed moneylender with a sustainable model focused on customer protection. With branches spread across the island in Singapore, we bring our lending services to you.

By developing innovative digital solutions to make the loan application process as painless as possible, Accredit Money Lender Singapore brings you unparalleled convenience. You can now apply for a personal loan on the go! With branches all over Singapore, applying for a loan has never been easier.

Financial Help For First Time Home Buyers

Our Guarantee We are a licensed lender providing responsible credit and loan options in Singapore since 2002

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Our proprietary credit system makes approval fast and efficient. Get your loan in Singapore now without waiting for approval!

Secured with industry standard HTTPS (TLS1.2) and pass access testing, your data is safe with accredited money countries.

Contact us at any time of the day to service your existing loan accounts or for new questions.

Submit your loan applicant information online, wherever you are! Get an indicative price to assess the available loan repayment terms

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Our credit system makes approval a fast and instant process. If your application is successful, our officer will contact you for an appointment.

Visit our branch with required documents and get your money instantly! Don’t wait and get your money the same day.

A personal loan is a loan disbursed on a short-term basis for personal needs. This facility is available to every eligible Singapore citizen with a stable income. If you are a foreigner with a valid pass to work and live in Singapore, you can also apply for a personal loan. Accredit Moneylender provides easy personal loans in Singapore with fast approval and reasonable interest rates. We enable you to choose the right repayment plan for your loan to make repayment a stress-free and worry-free process.

Financing your own business can be a daunting task. Especially if you are starting fresh with zero financial profit margin to fall back on. Even if you don’t get paid right away by the new business, you still have to pay your employees and keep the system running. Accredit Money Lender supports such entrepreneurs and provides a comfortable cushion of business loan solutions for our aspiring business owners, especially in difficult times. We offer short, medium and long term loans to suit your needs.

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Debt consolidation is a process in which we help you combine several small unsecured debts and liabilities with a new debt. This product is useful if you cannot clear paychecks, credit card debts or other small obligations. In this process, we consolidate all your small liabilities and debts into a single loan that can help you get rid of them easily. Our experienced loan consultants at Accredit and Legal Money Lender Singapore will be helpful and advise you at every step of the loan consolidation process to ensure it goes smoothly.

Financing your own business can be a daunting task. Especially if you are starting fresh with zero financial profit margin to fall back on. Even if you don’t get paid right away by the new business, you still have to pay your employees and keep the system running. Accredited authorized lenders support such entrepreneurs and provide a comfortable cushion of business loan solutions for our aspiring business owners. We offer short, medium and long term loans to suit your needs.

There are countless reasons why people in Singapore default on their loans. The most common reason is that people do not have enough money to repay their loans on time and the amount accumulates to become a major debt. But we are going to share with you some amazing hacks that will help you get out of debt this year. This is how you want to start.

Before you think about how to pay your debts, you should first make a list of all the debts you have. This is because you want to know exactly how much you owe each debtor. When you can clearly see the amount you owe and how many people you owe, it will help you create a better strategy for dealing with debt. If you do not have a written inventory, you may miss the loan repayments.

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Start by creating a budget that shows your income and expenses for each month. This way you can allocate your scarce resources more efficiently. Drawing a budget will also give you an idea of ​​expenses that you can reduce or eliminate completely.

When you have a budget, you should also determine your debt-to-income ratio. Ideally, your debt to income ratio should never exceed 35%. In other words, every month, 35% of your income should go towards your debt and no more than that. Because anything more than that will make you unable to pay all your dues. So, if you want to take out a new loan or credit card, make sure that the payments do not exceed 35% of your previous obligations. It is always better to avoid any new loan before meeting your previous repayments.

An important step in dealing with your debt is admitting you have a problem. And to get away from the problem, you have to sacrifice a little and try a lot. So, be prepared to cut your expenses. If you continue to live a luxurious life with all the major expenses, you will have a hard time dealing with your debt. So, start comparing the goods and services available in the market and choose the lowest price without compromising on quality or features. Also, cut spending on non-essentials like going out and entertainment until your finances are under control. These small steps will leave you with more money at the end of each month that you can use to pay off your debt.

If you have more than one loan to your name, it is common sense that you should get rid of the loans with the highest interest rates. You should know that sooner or later, you will have to pay off debt if you want to get a good credit score. Loans with high interest rates will only add to your pain as you pay more every month. If you can’t pay off all your debts at once, save the low-interest loans for later. This way you will accumulate less money that you will have to pay later.

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In most cases, your credit card repayments will have the highest interest rate. Consider cleaning it first. Also, try to control your card purchases to avoid accumulating too much debt.

It’s so easy to have extra cash on hand when you receive bonuses, incentives or insurance money. Instead of using that money to live a luxurious life or buy something big, you can use it to pay off your debt. You can ask your bank or lender about their terms for early repayment. And you know, when you get your bonus, pay off the loan with the highest interest rate first.

In another scenario, if your salary has increased, you can consider paying more every month. You can ask your lender if it is possible to increase the monthly payments so that you can pay them off faster and save on unnecessary interest.

As you can see, there are many ways to get out of debt. You have to have the mindset that getting out of debt is easy but not easy, so you can’t afford to be lazy. So just think smart, prioritize loans, do some financial planning and you will be able to deal with debt without much worry. It’s easier than you think! An accredited licensed moneylender in Singapore can help you. Find us at any of our branches in Singapore. Make sure there are branches that are right for you!

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From 1 October 2015, lenders can charge a maximum interest rate of 4% per month. This limit applies whether the borrower’s income and debt are unsecured or secured. If the borrower fails to repay the loan on time, the lender may charge late interest of 4% per month in case of late repayment of the loan.

– Fees not exceeding 10% of loan principal upon loan approval; And

– Legal costs charged by the court for a successful claim by the lender to recover the debt.

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Do not borrow from unlicensed Singapore moneylenders. Check that a moneylender is licensed in Singapore by checking the list of authorized moneylenders. Click here to access the list of authorized moneylenders. Even if moneylenders are authorized, remember that if they:

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