If you are more risk averse, getting a loan from the HDB might be the better option.
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In what order should you be clearing your debts?
Given the latest statistics from Credit Counselling Singapore, debtors who have overborrowed typically carry S$100,559 of personal debt on average. Here's are ways to help Singaporean clear their debts.
Earlier we talked about how you can clear your debts effectively, before you do that, how do you know if your debt is good or bad?