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#Effective Interest Rate – based on S$63,000 loan amount for 96-months loan tenure and inclusive of processing fee.
1 Calculated based on 25.9% p.a2 Calculated based on 3.58% p.a. (EIR 6.56% p.a.)
DBS Debt Consolidation Plan comes with a DBS VISA Platinum Credit Card to provide you with a convenient mode of payment for managing your daily essentials.
Click here to find out more about DBS Card fee and charges.
Calculate the monthly repayment with our handy calculator!
Monthly Repayment Calculator
Nationality
Singaporean/Permanent Resident
Age
21 to 65 years (upon loan maturity date)
Income
Annual income from S$30,000 to < S$120,000
Latest Income Tax Notice Assessment2
1 Year
Provide any one of these documents
Salary Crediting into DBS/POSB Account
✓
Latest Computerised Payslip
1 You can obtain a copy of your Credit Bureau report in-person either at CBS office or any SingPost branches, or through www.creditbureau.com.sg with your SingPass. A transactional fee of S$6.42 (inclusive of GST) applies.2 You can now print your Income Tax Notice of Assessment at myTax Portal with your SingPass or IRAS PIN. The service is free. Log on to https://mytax.iras.gov.sg for more details.
Note:
You will need a DBS / POSB deposit account (excluding Joint All, Trust, MSA, SAYE, FCCA and POSB current accounts) for the repayment of the loan.
If you do not have an existing DBS / POSB account, click here to apply before beginning your Debt Consolidation Plan application.
Download and fill up the editable Debt Consolidation Plan PDF application form. To have the best experience please complete the form using Adobe Acrobat Reader on your Personal Computer.
Download
Check that all required documents are in order.
For New to Debt Consolidation
For Refinance to DBS Debt Consolidation Plan
For Repayment Terms Revision
Important note: Please note that maximum 5 files are allowed to be uploaded. Supported file are JPG, PNG, PDF. Maximum of 4MB each . You may refer to the guide here on how to combine your documents.
Submit your application online seamlessly and fully assisted by our digibot. You will need to authenticate yourself via:
Please wait a few seconds for the digibot to be activated and it will guide you through your application.
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You may now pay your outstanding amount on your Debt Consolidation Plan via our digital form. Please do not make payment via this request form if you have an existing Giro arrangement on your loan account.
Learn more
Changing of your loan servicing account for Debt Consolidation Plan is now available online in just 1 simple step. Click to find out more.
View Frequently Asked Questions.
View the Terms and Conditions governing the Debt Consolidation Facility.
If you wish to have a free credit report, you may obtain it within 30 calendar days from the date of approval or rejection of this application via the credit bureau website listed below. Alternatively, you may bring the approval or rejection letter and your NRIC to the following credit bureau’s registered office to obtain a free credit report.
Credit Bureau (Singapore) Pte Ltd2 Shenton Way#20-02 SGX Centre 1Singapore 068804Tel: (65) 6565 6363www.creditbureau.com.sg
* The free Credit Bureau Report is limited only to application of a new product such as Cashline, Credit Card, Further Study Assist. Applications such as Credit Limit increase, Balance Transfer / Personal Loan disbursed from existing products and existing principal cardholders applying for another card(s) are not entitled to the free credit report.
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