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audio_chunks/XTSexe4zuN0/XTSexe4zuN0__0:00-0:03.wav
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You need to understand, is there any fees if I pay off early?
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audio_chunks/XTSexe4zuN0/XTSexe4zuN0__0:03-0:05.wav
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How is the interest calculated?
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audio_chunks/XTSexe4zuN0/XTSexe4zuN0__0:10-0:12.wav
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Welcome to CNA's Money Talks podcast.
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audio_chunks/XTSexe4zuN0/XTSexe4zuN0__0:15-0:17.wav
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Now, we tend to have a lot of milestones in life.
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audio_chunks/XTSexe4zuN0/XTSexe4zuN0__0:18-0:21.wav
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Marriage, a new home, further studies.
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audio_chunks/XTSexe4zuN0/XTSexe4zuN0__0:21-0:23.wav
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You need funds for these.
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audio_chunks/XTSexe4zuN0/XTSexe4zuN0__0:23-0:27.wav
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And we may not always have the money for these occasions, right?
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audio_chunks/XTSexe4zuN0/XTSexe4zuN0__0:27-0:29.wav
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Now, we want to talk about loans
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audio_chunks/XTSexe4zuN0/XTSexe4zuN0__0:29-0:31.wav
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because these are the things that will help you get that money.
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audio_chunks/XTSexe4zuN0/XTSexe4zuN0__0:31-0:33.wav
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And before you take up a loan,
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audio_chunks/XTSexe4zuN0/XTSexe4zuN0__0:33-0:36.wav
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there are quite a number of things that we need to consider.
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audio_chunks/XTSexe4zuN0/XTSexe4zuN0__0:36-0:41.wav
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And it's overwhelming, especially if this is your first one.
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audio_chunks/XTSexe4zuN0/XTSexe4zuN0__0:41-0:44.wav
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So let's enlist the help of our Money Talks guest today.
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audio_chunks/XTSexe4zuN0/XTSexe4zuN0__0:44-0:48.wav
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She is Jen Ong, Head of Retail at GXS Bank.
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audio_chunks/XTSexe4zuN0/XTSexe4zuN0__0:48-0:49.wav
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Jen, good to have you with us.
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audio_chunks/XTSexe4zuN0/XTSexe4zuN0__0:51-0:52.wav
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We all have to take up loans, right?
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audio_chunks/XTSexe4zuN0/XTSexe4zuN0__0:53-0:56.wav
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So what are the key items in a person's life cycle
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audio_chunks/XTSexe4zuN0/XTSexe4zuN0__0:56-0:59.wav
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when a loan is a must-have and a nice-to-have?
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audio_chunks/XTSexe4zuN0/XTSexe4zuN0__1:00-1:02.wav
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You started by saying that there are different milestones
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audio_chunks/XTSexe4zuN0/XTSexe4zuN0__1:02-1:04.wav
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in someone's life.
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audio_chunks/XTSexe4zuN0/XTSexe4zuN0__1:04-1:08.wav
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And I think one of the biggest one that we have seen is renovation, right?
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audio_chunks/XTSexe4zuN0/XTSexe4zuN0__1:08-1:11.wav
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If you talk about marriage loan, a wedding loan,
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audio_chunks/XTSexe4zuN0/XTSexe4zuN0__1:11-1:12.wav
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yes, you see people taking it.
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audio_chunks/XTSexe4zuN0/XTSexe4zuN0__1:12-1:15.wav
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But most of the use cases that we see are renovation loans
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audio_chunks/XTSexe4zuN0/XTSexe4zuN0__1:15-1:17.wav
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because renovation can get big.
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audio_chunks/XTSexe4zuN0/XTSexe4zuN0__1:17-1:18.wav
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Now, when we think about loans,
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audio_chunks/XTSexe4zuN0/XTSexe4zuN0__1:19-1:21.wav
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there's always this taboo about taking loans.
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audio_chunks/XTSexe4zuN0/XTSexe4zuN0__1:21-1:24.wav
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But taking loans is sometimes you do need it.
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audio_chunks/XTSexe4zuN0/XTSexe4zuN0__1:24-1:25.wav
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So putting the taboo aside,
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audio_chunks/XTSexe4zuN0/XTSexe4zuN0__1:26-1:28.wav
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now you think about loans, you will think about interest rate.
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audio_chunks/XTSexe4zuN0/XTSexe4zuN0__1:28-1:29.wav
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I think a lot of consumers out there are saying,
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audio_chunks/XTSexe4zuN0/XTSexe4zuN0__1:30-1:31.wav
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hmm, which one gives me the best interest rate?
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audio_chunks/XTSexe4zuN0/XTSexe4zuN0__1:31-1:33.wav
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And they make a decision based on that.
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audio_chunks/XTSexe4zuN0/XTSexe4zuN0__1:35-1:36.wav
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But then you need to go into the nitty-gritty.
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audio_chunks/XTSexe4zuN0/XTSexe4zuN0__1:37-1:40.wav
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is there any fees if I pay off early?
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audio_chunks/XTSexe4zuN0/XTSexe4zuN0__1:40-1:42.wav
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How is the interest calculated?
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audio_chunks/XTSexe4zuN0/XTSexe4zuN0__1:42-1:43.wav
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See, that's a big topic, right?
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audio_chunks/XTSexe4zuN0/XTSexe4zuN0__1:43-1:44.wav
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How is interest calculated?
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audio_chunks/XTSexe4zuN0/XTSexe4zuN0__1:45-1:46.wav
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Everybody will tell you interest is interest.
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audio_chunks/XTSexe4zuN0/XTSexe4zuN0__1:46-1:50.wav
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But no, if your interest is monthly rest or daily rest,
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audio_chunks/XTSexe4zuN0/XTSexe4zuN0__1:50-1:52.wav
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it becomes a different cost for the consumers.
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audio_chunks/XTSexe4zuN0/XTSexe4zuN0__1:52-1:53.wav
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So what are the TNCs?
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audio_chunks/XTSexe4zuN0/XTSexe4zuN0__1:54-1:56.wav
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So if let's say I have more money this time around,
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audio_chunks/XTSexe4zuN0/XTSexe4zuN0__1:56-1:58.wav
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I want to pay off a little bit earlier,
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audio_chunks/XTSexe4zuN0/XTSexe4zuN0__2:00-2:02.wav
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And if you look at what is happening in the market,
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audio_chunks/XTSexe4zuN0/XTSexe4zuN0__2:02-2:03.wav
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there are fees like this.
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audio_chunks/XTSexe4zuN0/XTSexe4zuN0__2:03-2:06.wav
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So fees that you will be penalized if you pay early.
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audio_chunks/XTSexe4zuN0/XTSexe4zuN0__2:07-2:09.wav
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Then that goes against the grain of taking a loan
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audio_chunks/XTSexe4zuN0/XTSexe4zuN0__2:10-2:11.wav
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Because if you have money to pay off a loan,
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audio_chunks/XTSexe4zuN0/XTSexe4zuN0__2:11-2:13.wav
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you want to pay off a loan without penalty.
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audio_chunks/XTSexe4zuN0/XTSexe4zuN0__2:13-2:15.wav
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So that's why you have to check the TNCs,
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audio_chunks/XTSexe4zuN0/XTSexe4zuN0__2:15-2:16.wav
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know what you're getting into.
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audio_chunks/XTSexe4zuN0/XTSexe4zuN0__2:17-2:19.wav
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And we will get into the nitty gritty,
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audio_chunks/XTSexe4zuN0/XTSexe4zuN0__2:19-2:22.wav
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but just want to tackle the philosophical side of things first.
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audio_chunks/XTSexe4zuN0/XTSexe4zuN0__2:23-2:27.wav
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How do I know what's a reasonable expense to take up a loan for?
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audio_chunks/XTSexe4zuN0/XTSexe4zuN0__2:27-2:29.wav
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So you mentioned things like wedding loans,
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audio_chunks/XTSexe4zuN0/XTSexe4zuN0__2:30-2:31.wav
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These are the more common ones.
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audio_chunks/XTSexe4zuN0/XTSexe4zuN0__2:31-2:35.wav
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When do I know that taking a loan is a good versus a bad idea?
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audio_chunks/XTSexe4zuN0/XTSexe4zuN0__2:36-2:38.wav
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Think about the opportunity cost then, right?
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audio_chunks/XTSexe4zuN0/XTSexe4zuN0__2:38-2:41.wav
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I'll give you an example, broken kitchen sink.
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audio_chunks/XTSexe4zuN0/XTSexe4zuN0__2:42-2:43.wav
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Now, are you saying that,
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audio_chunks/XTSexe4zuN0/XTSexe4zuN0__2:44-2:45.wav
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oh, I don't have the money, I don't have the means,
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audio_chunks/XTSexe4zuN0/XTSexe4zuN0__2:45-2:47.wav
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therefore I'm going to live with a broken sink?
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audio_chunks/XTSexe4zuN0/XTSexe4zuN0__2:47-2:49.wav
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So you have to take a loan
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audio_chunks/XTSexe4zuN0/XTSexe4zuN0__2:49-2:52.wav
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because the other alternative is just not possible.
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audio_chunks/XTSexe4zuN0/XTSexe4zuN0__2:52-2:54.wav
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So there are areas that you have to think about
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audio_chunks/XTSexe4zuN0/XTSexe4zuN0__2:54-2:56.wav
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when is a good time to take a loan.
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audio_chunks/XTSexe4zuN0/XTSexe4zuN0__2:58-3:00.wav
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on the surface sounds like a taboo,
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audio_chunks/XTSexe4zuN0/XTSexe4zuN0__3:03-3:04.wav
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Everybody takes a housing loan.
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audio_chunks/XTSexe4zuN0/XTSexe4zuN0__3:06-3:07.wav
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So housing loan is there.
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audio_chunks/XTSexe4zuN0/XTSexe4zuN0__3:09-3:11.wav
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So these are all utilitarian needs that you have
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audio_chunks/XTSexe4zuN0/XTSexe4zuN0__3:11-3:12.wav
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and then you need to take a loan.
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audio_chunks/XTSexe4zuN0/XTSexe4zuN0__3:15-3:18.wav
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be careful what is the cost of servicing the loan.
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audio_chunks/XTSexe4zuN0/XTSexe4zuN0__3:18-3:19.wav
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That's where you need to remember.
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audio_chunks/XTSexe4zuN0/XTSexe4zuN0__3:20-3:22.wav
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Taking a loan is something that you have to do.
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audio_chunks/XTSexe4zuN0/XTSexe4zuN0__3:23-3:24.wav
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Then make sure that you can afford it.
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audio_chunks/XTSexe4zuN0/XTSexe4zuN0__3:24-3:26.wav
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One of the biggest things to think about
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audio_chunks/XTSexe4zuN0/XTSexe4zuN0__3:27-3:28.wav
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is the ability to pay back.
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audio_chunks/XTSexe4zuN0/XTSexe4zuN0__3:29-3:31.wav
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So I can take a loan and don't pay back
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audio_chunks/XTSexe4zuN0/XTSexe4zuN0__3:33-3:35.wav
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and stretch it too short.
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audio_chunks/XTSexe4zuN0/XTSexe4zuN0__3:35-3:37.wav
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I will not have the ability to pay back
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audio_chunks/XTSexe4zuN0/XTSexe4zuN0__3:37-3:38.wav
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because my disposable income
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audio_chunks/XTSexe4zuN0/XTSexe4zuN0__3:38-3:40.wav
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cannot meet that monthly repayment.
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audio_chunks/XTSexe4zuN0/XTSexe4zuN0__3:41-3:43.wav
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So you have to calculate your income.
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audio_chunks/XTSexe4zuN0/XTSexe4zuN0__3:44-3:45.wav
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You need to calculate what is available
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audio_chunks/XTSexe4zuN0/XTSexe4zuN0__3:45-3:49.wav
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after you put aside for all the necessities.
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audio_chunks/XTSexe4zuN0/XTSexe4zuN0__3:49-3:51.wav
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Then check out what is a repayment capability.
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audio_chunks/XTSexe4zuN0/XTSexe4zuN0__3:52-3:53.wav
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If you want to pay off in 12 months,
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audio_chunks/XTSexe4zuN0/XTSexe4zuN0__3:54-3:56.wav
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you may have to stretch it a little bit more
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audio_chunks/XTSexe4zuN0/XTSexe4zuN0__3:57-3:59.wav
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but then it makes your monthly servicing
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audio_chunks/XTSexe4zuN0/XTSexe4zuN0__3:59-4:00.wav
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a little bit more sustainable.
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audio_chunks/XTSexe4zuN0/XTSexe4zuN0__4:01-4:03.wav
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Now, when I'm shopping around for a loan,
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audio_chunks/XTSexe4zuN0/XTSexe4zuN0__4:03-4:05.wav
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how do I make comparisons?
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audio_chunks/XTSexe4zuN0/XTSexe4zuN0__4:05-4:07.wav
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What are the top three things, say,
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audio_chunks/XTSexe4zuN0/XTSexe4zuN0__4:07-4:09.wav
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that I need to compare
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audio_chunks/XTSexe4zuN0/XTSexe4zuN0__4:09-4:11.wav
|
what's the best kind of loan
|
Singlish
|
nan
|
nan
|
nan
|
nan
|
|
audio_chunks/XTSexe4zuN0/XTSexe4zuN0__4:13-4:14.wav
|
So the first thing you want to look at
|
Singlish
|
nan
|
nan
|
nan
|
nan
|
|
audio_chunks/XTSexe4zuN0/XTSexe4zuN0__4:16-4:17.wav
|
Now, when we talk about interest rate,
|
Singlish
|
nan
|
nan
|
nan
|
nan
|
|
audio_chunks/XTSexe4zuN0/XTSexe4zuN0__4:18-4:20.wav
|
you need to know whether it is,
|
Singlish
|
nan
|
nan
|
nan
|
nan
|
|
audio_chunks/XTSexe4zuN0/XTSexe4zuN0__4:21-4:23.wav
|
a monthly res or a daily res.
|
Singlish
|
nan
|
nan
|
nan
|
nan
|
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