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Understanding the Basics of Singapore Home Loan Rates
Posted by oscar123 on February 27th Cheap Mens Nike Shoes , 2017
Home loan rates in Singapore come in two broad categories: fixed interest rate loans and variable rate loans.
Variable rate loans are also called floating interest rate loans. These rates are not constant, and therefore vary at any given time. Typically, floating interest rates are pegged according to the reference rate in the market.
In contrast, fixed interest rates do not change for a set period within the housing loans’ tenure. Experts advise that when interest rates are low, fixed interest rates are the best type of interest rate package to get for a home loan. When interest rates are high Cheap Nike Shoes , it may be more practical to go for a floating interest rate loan.
Interest rates have a direct effect on your monthly payment. An increase in the interest rate will cause the monthly instalment to likewise increase. Therefore, try to allow for contingencies should interest rates increase within the housing loan tenure.
Banks in Singapore offer different housing loan interest rates. In fact, there are banks in Singapore that offer irresistible promotional packages for their home loan interest rates. Do make comparisons across different banks, and look for the package that best suits your financial situation.
When it comes to choosing the best type of housing loan interest rate, there are no hard and fast rules. What is important for any home loan applicant is to choose a loan package that best fits your financial situation.
If you want to apply for a home loan in Singapore and you need advice on what type of interest rate package to get Wholesale Nike Shoes Online , get in touch with your local Singapore bank today.
>What Is A Mortgage Advisor?
Posted by nick_niesen on October 29th, 2010
Much like a broker can help you find the best companies and finance, etc, a mortgage advisor can also help you find the best option for you. He or she can also help you in the application process, and offers an excellent service for anyone buying a house. The main difference between a mortgage advisor and broker is the training and expertise needed to do each job.
As well as the advice a mortgage advisor can give you when it comes to buying your house Wholesale Nike Shoes Free Shipping , they can also offer:
? Different mortgage options for you to choose from
? Advice on mortgage protection, repayments, re-financing, etc
? Offer building insurance alongside the mortgage itself
Although a mortgage advisor can discuss so many different financial aspects with you, they don?t need to take any specialised training courses or need any professional qualifications initially. This is another aspect that sets them apart from a mortgage broker. They will need to take a basic training course Wholesale Nike Shoes China , but this is more in customer service and relations.
The route to becoming an advisor is quite a straightforward one ? normally starting off in a bank as a customer service representative, or an administrative role within a financial services company. If they decide to pursue the more dedicated mortgage advisor route, this is when the additional training will come into effect.
The Financial Services Authority (FSA) requires that anyone giving specialist mortgage advice needs to be proficient to a certain level. This means that to be a mortgage advisor, a trainee has to study for either the Chartered Insurance Institute (CII) Certificate in Mortgage Advice, or the ifs School of Finance in Mortgage Advice and Practice (CeMAP). If you want to use the services of a mortgage advisor Wholesale Kids Nike Shoes , whether through your bank or otherwise, you should look for these qualifications.
Once someone has passed the relevant exams to become a specialist mortgage advisor, they can then take the next step up, and become a financial advisor. The benefit to you is that not only can you then use the same person to handle both your mortgage and other financial details ? pensions, life assurance Wholesale Womens Nike Shoes , etc ? but you won?t have to explain everything about your current situation to a different person every time.
Another area to consider if you are thinking about using an advisor to help you with your mortgage is whether or not they are being completely unbiased. For example, if you use your bank and they provide an advisor for you to work with, you would only be getting advice on the services that the bank itself offers.
However, if you were to use the estate agent selling the property, or a mortgage broker Wholesale Mens Nike Shoes , then you would be offered a far greater choice and benefits from a much larger range of financial companies. This is definitely something to keep in mind when working with a financial advisor, and will make sure that you eventually get the mortgage and advice that?s right for you.
Remember that all advice received is at no obligation until you sign on the dotted line. You should therefore not feel overwhelmed or pressured when gathering information from a mortgage advisor.
A Big Issue
Big Issues are those that cost your organisation money ? lots of money. On that criterion, staff retention is, for many companies, right up there with the biggest of their big issues. And Wholesale Nike Shoes , given the current vacancy and staff turnover levels in many organisations, it has the potential to become an ever bigger issue. Unless you do something positive about it now.
Let's look at some numbers;
Our 'typical? business services firm employs around 1,000 people and has a staff turnover of 15% per annum. We have developed a Financial Impact Model which enables us to assess the impact of losing and replacing staff. This is clearly most accurate when using specific company figures, but still gives useful input at a more generalised level.
Applying the model, we estimate that the total costs (direct and indirect) of 15% staff turnover to this company are around ?1 Cheap Nike Shoes Online ,300,000. Or somewhere between 20% to 50% of its annual profits!
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