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MAS just eased restrictions on car loans. But before you run out and get a loan, check your credit score and make these preparations. For most Singaporeans, a car is a sign of success, especially since Singapore is one of the most expensive places in the world to own a car. Even a modest family sedan can cost upward of S$110,000 today, which would pay for about 30 per cent of a three-room flat. Unsurprisingly, almost everyone who owns a car has had to take a loan to do so. While you may technically qualify for such a loan, consider the following before accepting such a huge debt burden. Car Loans are Less Restrictive in 2016 The Monetary Authority of Singapore (MAS) has eased curbs on car loans. Prior to this, the maximum loan quantum (the total amount that can be borrowed) was 60 per cent of the purchase price, if the Open Market Value (OMV) of the car was S$20,000 or less. Otherwise, the maximum loan was 50 per cent of the OMV. Under the new regulations, the lo...

Finding a car loan with a low interest rate can save thousands of dollars. So we put together this guide on how to get the best auto loan rates online.When it comes to buying a car, way too many Americans are likely to just get a loan from a dealer. And that’s a very bad idea. Really, it’s best if you don’t finance your car at all. Paying cash will net you a better deal. And you’ll skip paying interest on financing.With that said, sometimes you just have to finance at least part of your car purchase. You need a vehicle to get to work or haul your kids around. But you don’t have time to save up to purchase the vehicle in cash. It’s understandable and sometimes unavoidable. But just because you have to finance your car doesn’t mean you should go with whatever the dealer offers. As with other types of financing, it’s a good idea to shop around for a car loan. Luckily, the internet makes that easier than ever! Here, we’re going to give you the down and dirty on wher...

Since employment shrank by 258,700 in the last 12 months – how can “overall job prospects  may  be improving”? I refer to the article “Q3 labour report shows rise in job seekers unemployed for 25 weeks or more” (Straits Times, Dec 13). It states that “Overall job prospects may be improving, but a small – though growing – group of residents is being left in the lurch. These job-seekers are finding it hard to find new positions even after being unemployed for 25 weeks or more, the latest labour report released  on Wednesday  (Dec 13) showed. Observers said that ongoing restructuring continues to pose a challenge, as flagged in the labour report for the third quarter of 2017, even though the cyclical recovery in the economy has lifted job prospects. DBS economist Irvin Seah said that the upward trend in the long-term unemployment rate for Singaporean and permanent residents in the past two years is a matter of concern. It rose to 0.8 p...

The People’s Action Party’s (PAP) fourth generation leaders will “very much be in the thick of things” come the next General Election (GE), Prime Minister Lee Hsien Loong told the Singapore media on Saturday (Dec 1) at the end of his five-day visit to Argentina where he attended the G20 Leaders’ Summit. While Mr Lee will lead the PAP as its secretary-general into the election — which must be held by early 2021 — the 4G leaders will be “taking the lead in the sense of setting the agenda, working out the policies, preparing the manifesto, making the pitch to the public, and actively campaigning during the election and organising the election”. He added that the ruling party will be going into the GE “with a team which has depth”. “It’s not just the present leaders, who are in their late 50s, early 60s – but also the next generation of leaders, 40s, 50s, ready to take over,” he said. “I think that’s a very strong message, which goes beyond any specific policies and mani...

Five women were nabbed during an enforcement operation against vice activities along Race Course Road, Farrer Park Station Road and Havelock Road on Thursday (Nov 29). The suspects, aged between 22 and 33, were arrested for offences under the Women’s Charter. Preliminary investigations revealed that these women were providing sexual services from hotels and rented apartments, said the police in a statement. Investigations are ongoing.Landlords and hotel owners are advised to ensure that tenants do not carry out vice activities in their premises. Any person who knowingly lives wholly or in part on the earnings of the prostitution of another person can be jailed up to five years and fined up to $10,000.