Whether you're looking at a loan, a home loan or financing for your business, tell us where you stand. A verified finance professional will explain your options in plain English, including what it would really cost.
A verified professional will get in touch.
You get more from a conversation when you arrive with the basics.
Borrow, buy a home, refinance a home loan, or finance a business. Each points to a different route.
Your income, your debts and your credit report. Check the report for mistakes.
Work out a repayment that stays comfortable, not just the biggest amount you could be offered.
Compare the interest rate, fees and total repaid, not only the monthly instalment.
We connect you with one verified provider who understands what you need. No hard sell, and no obligation.
Your goal, income and existing debts decide which route makes sense, not a one-size-fits-all product.
The rate, fees and total repaid side by side, so the option that looks cheapest isn't a surprise later.
You get the options explained. Whether to go any further is always your call.
No. Namoye is a free matching service. It is not a lender, broker or adviser, and it doesn't make credit decisions. Any offer comes from the firm that contacts you.
Banks and finance companies are regulated by the Monetary Authority of Singapore. Other lenders must be licensed moneylenders, listed on the Ministry of Law's register. Borrowing from an unlicensed moneylender is dangerous, and licensed moneylenders are not allowed to harass you, so check any lender's licence yourself before you share personal or financial details.
Yes. Licensed moneylenders have caps on interest, late fees and administration fees, and on the total they can charge relative to what you borrowed. Ask for the cost of borrowing in writing, and compare it with a bank loan before you decide.
It's a limit on how much of your monthly income can go towards all your debt repayments, including a new loan, and it applies to most property loans from banks and financial institutions. It can reduce how much you can borrow. Ask a professional how it applies to you.
Sending a request to Namoye doesn't involve a credit check. A lender will usually check your credit report when you apply, and the enquiry can show on your report. Ask the lender what they check before you apply.
You can request your credit report from Credit Bureau Singapore. Check it for mistakes before you apply for a loan, since a mistake can lower your score.
Free, confidential help is available before you consider any paid service. Credit Counselling Singapore can talk through your options and run schemes for people with unsecured debt. It's worth doing that first.
Complain to the firm first. If you're not happy with the answer, you can take it to the Financial Industry Disputes Resolution Centre for many financial institutions. Complaints about licensed moneylenders can go to the Registry of Moneylenders at the Ministry of Law.
What you're trying to do, a rough idea of your income and any debts, and your postal code. If you don't have everything, send the request anyway.
No to both. A verified professional contacts you, and Namoye is free for you.
Namoye is a free matching service. It is not a lender, broker or adviser, and it doesn't give financial advice or make credit decisions. Any offer comes from the firm that contacts you. Only borrow from banks and moneylenders licensed in Singapore: check the licence on the Ministry of Law's moneylender register or the Monetary Authority of Singapore's directory before you share personal or financial details. If you are struggling with debt, free help is available from Credit Counselling Singapore.
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