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Wait! Know This Before Signing Your Student Loan
Getting hold of the college acceptance letter
ensures your ticket to the dream university and
having a fair chance to get that degree you were
aiming for. However, the second issue that
crops up mostly is how do you pay for it if
your funds arent enough?
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Our Service

• Financial Institution Singapore
• Corporate Banking Services Singapore
• Profitable Savings Account 
• High Interest Savings Account
• Super Saver Account Singapore

www.tcc.org.sg
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Student loans with low interest
Obvious answer, take out a student loan. That may
sound an easily lucrative option, and there is no
harm in taking one. Student loans with low
interest rates are a viable option if you must
take one. However, you must consider few things
before you decide to pay off your college fees
via student loan.
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What Kind Of Loan- Federal or Private?
There are different terms and conditions
associated with a loan. However, a student loan
is mostly either fedral (funded directly by the
government) or private( individual lenders,
private banks, credit cooperatives). Opting for
private banks or credit cooperatives could be a
wiser option at times as they offer student loans
at low interest rates. TCC Credit Cooperative, a
reputed credit cooperative in Singapore is
offering education loans at considerably low
rates of flat 2.2 percent per annum this year.
So, get hold of that if you are in urgent need of
one.
www.tcc.org.sg
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Personal Loan Singapore
One usually doesnt like to cut off huge amounts
from his income every month, so most people end
up paying less amount for longer periods. This
means you not only take years to repay your loan,
you even end up paying higher interest rates.
On the contrary, if you choose to make larger
monthly payments, you will not only wrap up your
loan sooner, but with significantly lower
interest rates.
This applies for all kind of loans,be it a
marriage loan or a personal loan Singapore banks
have similar criterias.
www.tcc.org.sg
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Keep Track Of Your Borrowing Amount
It is vital that you keep a track of your
borrowing amount. Borrowing more than the needed
amount can be a pain in the future as it can
affect your future finances. So, ensure that your
loan payments only withdraw a small amount from
your salary after you graduate. Also, before
signing up for the loan, research salaries in
your field beforehand so that you get an idea of
your possible future income and make arrangements
accordingly.
www.tcc.org.sg
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Know Your Grace Period
A grace period offers you certain amount of time
for your first payment which means you need to be
aware of your due date. Such periods are helpful
when you need time to get a job and get a couple
of paychecks before making your first payment.
However, making payments during the grace period
can offset some of the accruing interest.
www.tcc.org.sg
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Contact Us
95 Killiney Road Singapore 239537 Opposite
SingTel Comcentre Near Orchard Road and Somerset
MRT. Fax [phone]Email info_at_tcc.or
g.sg www. tcc.org.sg
Office Operating hours Monday to Friday 8.45
am till 6.00 pmSaturday 9.00 am till 1.00 pm