{"id":12387,"date":"2017-11-12T06:06:11","date_gmt":"2017-11-11T22:06:11","guid":{"rendered":"https:\/\/www.99.co\/blog\/singapore\/?p=12387"},"modified":"2022-07-01T04:10:08","modified_gmt":"2022-06-30T20:10:08","slug":"home-furnishing-credit-type","status":"publish","type":"post","link":"https:\/\/www.99.co\/singapore\/insider\/home-furnishing-credit-type\/","title":{"rendered":"Store credit vs. bank credit: which should you consider for home furnishing?"},"content":{"rendered":"
<\/div>

Buying a house already involves loans that are best described as \u201cpants-wetting\u201d. At that point, there isn\u2019t any real fear in needing more credit for home furnishing. (Cover image credits<\/a>) That\u2019s why some people get careless \u2013 instead of personal loans or furnishing loans, they go straight for store credit. But you really ought to think it over:
\n<\/span><\/p>\n

What is store credit?<\/b><\/h3>\n

Many major home furnishings stores (e.g. Courts) have their own credit schemes. We don\u2019t just mean the instalment-free credit card promos that are everywhere \u2013 there may be actual in-store financing, where you can take the products home and pay over several months.<\/span><\/p>\n

Now you may be wondering: what\u2019s the difference between this, and just getting loans from the bank?<\/span><\/p>\n

It comes down to the following few key factors:<\/span><\/p>\n

1.\u00a0Store credit is often easier to get<\/strong><\/h3>\n

Home furnishing stores don\u2019t just cater to home owners \u2013 they also like to target expatriates, who may need to furnish their rented apartments. And not all foreign workers are highly paid enough to get bank credit, or have comprehensive credit scores.<\/span><\/p>\n

\"home<\/p>\n

For that reason, store credit is usually <\/span>a lot <\/span><\/i>easier to get. Some stores don\u2019t need anything more than a one-month payslip, to decide how much they\u2019ll lend you for your home furnishing needs. Some stores don\u2019t even check at all, and extend credit on the spot.<\/span><\/p>\n

Courts, for example, extends credit to E-Pass holders, who don\u2019t usually qualify for many bank loan products.<\/span><\/p>\n

This option is also tempting to over-leveraged homeowners, who may be at the end of their credit right after buying a house.<\/span><\/p>\n

Of course, there is a price to this, such as\u2026<\/span><\/p>\n

2. Interest rates tend to be higher for store credit<\/b><\/h3>\n

Due to the higher risk involved, stores tend to charge a higher interest rate than banks.<\/span><\/p>\n

For banks, the typical personal loan (or home furnishing loan) has an interest rate of around six per cent per annum. Credit cards have an interest rate of around 26 per cent per annum (but credit cards often have interest-free instalment options, for selected merchants).<\/span><\/p>\n

For in-store credit, interest rates can reach as high as 36 per cent per annum. The high cost is often obscured by low monthly payments, with exceedingly long loan tenures \u2013 they can seem deceptively cheap.<\/span><\/p>\n

3. The right to repossess items<\/strong><\/h3>\n

If you can\u2019t make repayments on time, and you use store credits, there is usually a clause that allows them to repossess the items. So yes, people can come to your door to cart off your sofa set, television, dining room set, etc. <\/span><\/p>\n

Banks, however, will sue you or write off the debt (don\u2019t cheer – that will destroy your credit score, and possibly stop you ever taking a loan again).<\/span><\/p>\n

Mind you, there\u2019s nothing to say the store can\u2019t sue you as well \u2013 it\u2019s just that most of them would rather save time and effort on legal issues, and just take their stuff back; they\u2019ll try to cut losses by reselling the items.<\/span><\/p>\n

In this sense, failure to pay generally has smaller consequences with the store than with the bank. With stores you just lose the item. With banks, the debt continues to compound, while they drag you to court or declare you bankrupt.<\/span><\/p>\n

But look, if you think there\u2019s any chance you won\u2019t be able to make repayments for home furnishing, <\/span>just don\u2019t take a loan<\/span><\/i>. It\u2019s better to sleep on a borrowed mattress for a while, than to add to your sizeable home loan with monstrous debts.<\/span><\/p>\n

\"home<\/p>\n

4. Credit score impact<\/b><\/h3>\n

Stores don\u2019t often check your credit score, and they don\u2019t contribute to your credit report either. That means late or missed payments to a store won\u2019t show up on your record.<\/span><\/p>\n

Banks, however, contribute data to the Credit Bureau of Singapore (CBS). Any late or missed payments will lower your credit score, and your affect ability to take loans above $500 later.<\/span><\/p>\n

Which of the two should you use?<\/b><\/h3>\n

Due to the high interest rates, it\u2019s almost always more prudent to use the bank. Besides a lower interest rates, banks often have zero-interest rate promotions \u2013 the typical deal is zero interest for six months. If you can pay back the loan within that time, you\u2019d pay nothing extra (besides the administrative cost of the loan).<\/span><\/p>\n

While the consequences of missing payments to a store are much lower, you really shouldn\u2019t be considering credit <\/span>at all <\/span><\/i>if you suspect that might happen.<\/span><\/p>\n

Also, here\u2019s another way to get a better deal: ask your mortgage banker.<\/span><\/p>\n

If you\u2019ve just taken a home loan from the bank, your mortgage banker can <\/span>sometimes <\/span><\/i>pull strings, and get you an interest-free renovation or home furnishing loan from the same bank.<\/span><\/p>\n

Store credit should mainly appeal to tenants who are foreigners, and who cannot yet get credit from local banks<\/b>. In these cases, store credit is better than dealing with shady moneylenders or loan sharks.<\/span><\/p>\n

If you found the information in this article useful, do check out our past articles on <\/span>buying home insurance<\/span><\/a> and <\/span>6 items to double-check on your home loan<\/span><\/a>. <\/span><\/p>\n

Find the home of your dreams today at Singapore\u2019s largest property portal 99.co<\/a>!<\/p>\n","protected":false},"excerpt":{"rendered":"

Buying a house already involves loans that are best described as \u201cpants-wetting\u201d. At that point, there isn\u2019t any real fear in needing more credit for home furnishing. (Cover image credits) That\u2019s why some people get careless \u2013 instead of personal loans or furnishing loans, they go straight for store credit. But you really ought to…<\/p>\n","protected":false},"author":21,"featured_media":54931,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_relevanssi_hide_post":"","_relevanssi_hide_content":"","_relevanssi_pin_for_all":"","_relevanssi_pin_keywords":"","_relevanssi_unpin_keywords":"","_relevanssi_related_keywords":"","_relevanssi_related_include_ids":"","_relevanssi_related_exclude_ids":"","_relevanssi_related_no_append":"","_relevanssi_related_not_related":"","_relevanssi_related_posts":"","_relevanssi_noindex_reason":"","_lmt_disableupdate":"","_lmt_disable":"","_genesis_hide_title":false,"_genesis_hide_breadcrumbs":false,"_genesis_hide_singular_image":false,"_genesis_hide_footer_widgets":false,"_genesis_custom_body_class":"","_genesis_custom_post_class":"","_genesis_layout":"","footnotes":""},"categories":[53593,53589,53600,57131],"tags":[54506,54507,54508,54509,54510],"persona":[],"class_list":{"2":"type-post","16":"entry","17":"has-post-thumbnail"},"acf":[],"yoast_head":"\nHome furnishing. 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