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You can choose a repayment period from one to seven years in accordance to how much you can afford to pay each month.

If you opt for a variable rate loan, you can make extra repayments as and when you like without paying any penalties, and these loans come with redraw facilities.

You can make weekly, fortnightly, or monthly repayments; and you can set up direct debits to simplify repayments.

ANZ offers balance transfer credit card offers that let you transfer your existing balance to the card and pay it off with a 0% balance transfer rate for a promotional period.

Singaporean citizen or permanent resident working and residing in Singapore is required to have a minimum gross salary of S,500 gross per month.

Upon completing an application with i Money, you may expect a call from the respected bank within the same business day to confirm your application.

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If you currently have an unsatisfactory credit score, take steps to rebuild it by clearing overdue payments.

If you're struggling to repay a high-interest debt (or multiple debts), debt consolidation could be the key to paying your balance down without the burden of large interest rates.

Most banks offer promotional balance transfers and low rate personal loans, giving Australians plenty of debt consolidation options.

Compare the features of some of the best* personal loans for debt consolidation Debt consolidation refers to the process of combining multiple loans into a single one, with people normally take this road to minimise their ongoing expenditure and make their credit more manageable.

For example, if you owe ,000 on your credit card, ,000 on a store card, and ,000 on a personal loan, you can look for a debt consolidation loan of ,000.

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“If you are able to pay off loans and other debts it is worth doing it so they are taken out of the equation,” he said.

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Couples could court at temples and social gatherings and adult daughters could interact with guests who visited their homes.