{"id":9427,"date":"2020-10-09T17:16:24","date_gmt":"2020-10-09T09:16:24","guid":{"rendered":"https:\/\/glutenfreepleasure.com\/__proxy_domain\/www.rafflescredit.com.sg\/?p=9427"},"modified":"2020-11-27T03:29:03","modified_gmt":"2020-11-26T19:29:03","slug":"secured-vs-unsecured-loan","status":"publish","type":"post","link":"https:\/\/glutenfreepleasure.com\/__proxy_domain\/www.rafflescredit.com.sg\/secured-vs-unsecured-loan\/","title":{"rendered":"Secured vs Unsecured Loan: What&#8217;s The Difference?"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_86 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<label for=\"ez-toc-cssicon-toggle-item-6aaf21c155ad4\" class=\"ez-toc-cssicon-toggle-label\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/label><input type=\"checkbox\"  id=\"ez-toc-cssicon-toggle-item-6aaf21c155ad4\" checked aria-label=\"Toggle\" \/><nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/glutenfreepleasure.com\/__proxy_domain\/www.rafflescredit.com.sg\/secured-vs-unsecured-loan\/#Secured_Loans\" >Secured Loans<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/glutenfreepleasure.com\/__proxy_domain\/www.rafflescredit.com.sg\/secured-vs-unsecured-loan\/#Unsecured_Loan\" >Unsecured Loan<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/glutenfreepleasure.com\/__proxy_domain\/www.rafflescredit.com.sg\/secured-vs-unsecured-loan\/#Pros_and_Cons_of_Secured_and_Unsecured_Loans\" >Pros and Cons of Secured and Unsecured Loans<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/glutenfreepleasure.com\/__proxy_domain\/www.rafflescredit.com.sg\/secured-vs-unsecured-loan\/#All_That_Matters_is_You_Fulfill_All_Your_Responsibilities\" >All That Matters is You Fulfill All Your Responsibilities<\/a><\/li><\/ul><\/nav><\/div>\n\n<p class=\"wp-block-paragraph\">Singapore has an excellent selection of personal bank loans you can use for any purpose. However, Singapore bank personal loans may confuse you with an option to use secured or unsecured loans.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The key difference between the two is that unsecured loans require no collateral but often accompanied with higher interest rates. Secured loans, on the other hand, are basically loans that require approval with lower interest rates.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">We can help you cut through the confusion by explaining both secured and unsecured loans in a detailed but understandable way.<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Secured_Loans\"><\/span><strong>Secured Loans<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">These are basically loans that require approval. If you have good collateral, you won&#8217;t need to work your credit scores so much.<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Collateral Necessities<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Having collateral sets apart secured bank loans personal from an unsecured loan. Collateral is anything you possess that has excellent value.\u00a0<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">To explain this on a smaller scale: a friend lends you cash for your vacation but requests to borrow your house until you return and pay the cash value by the door.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This can be your house, car, or any item of value that banks and financial institutions indicate.<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Types Available in the Market<\/strong><\/h3>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>1.  Mortgage Loan<\/strong><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Buying a house nowadays requires an enormous sum of money. Mortgage loans pay for the entire property&#8217;s value.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The arrangement allows both of you to own the property simultaneously, and your regular payments reduce the bank&#8217;s partial ownership of your property. If you fail to pay your mortgage completely, the bank will own the property.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>2. Car Loan<\/strong><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Like mortgages, car loans allow you to purchase a vehicle through the lender. You and the lender have simultaneous vehicle ownership, and your regular payments reduce the bank&#8217;s share in your car. Failure to pay them regularly results in the vehicle&#8217;s reclamation and full lender ownership.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>3. Non-Recourse Loan<\/strong><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">This is a collateral-centered financing product, meaning banks can only receive all approved collaterals as payment if the borrower defaults. The lender cannot pursue the borrower for additional compensation, even if the collateral has devalued.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>4. Home Loans<\/strong><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Mortgages cover payments for lender-owned properties. A home loan functions similar to personal loans, complete with interest rates. Its purpose is to purchase the materials, supplies, labor, and other necessary supplies for building structures from the ground up.&nbsp;<\/p>\n\n\n\n<div style=\"height:35px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Unsecured_Loan\"><\/span><strong>Unsecured Loan<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">A financing option that is heavily dependent on credit scores. Approval rates are relatively faster than secured ones. However, borrowers have lower loan limits and higher interest rates.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>1. Credit-Based Borrowing<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Truthfully, a credit card is an excellent example of an unsecured loan. However, because it does not provide an enormous sum equivalent to a house&#8217;s value, its high-interest rate doesn&#8217;t put borrowers at risk of defaulting. Without collateral, unsecured loans have higher interest rates and smaller loan amounts you can borrow.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>2. Revolving Credit<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Revolving or line of credit is a no-term, unsecured loan from banks. Typically, financial institutions provide this to borrowers who have successfully completed numerous high-value secured loan commitments. Because of their excellent reputation, these borrowers receive revolving credit privileges.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Their difference with credit cards: credit cards have lower credit limit values than revolving credit. For example, credit cards make shopping convenient, but a line of credit can finance a party.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>3. Term Loans<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">A small <a href=\"https:\/\/glutenfreepleasure.com\/__proxy_domain\/www.rafflescredit.com.sg\/personal-loan\/\" data-type=\"page\" data-id=\"123\">personal loan<\/a> from a financial institution or <a href=\"https:\/\/glutenfreepleasure.com\/__proxy_domain\/www.rafflescredit.com.sg\/\" data-type=\"page\" data-id=\"29\">licensed moneylender<\/a> is an example of term loans. Unlike a line of credit, these have loan tenors and fixed interest rates. Its significant difference with typical loans: it has higher interest due to the lack of collateral unless you have an excellent fiscal reputation indicated in your report.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>4. Consolidation Loans<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">An unsecured loan by nature, consolidation loans focus on using low-interest financing to help a struggling borrower with wealth management. Debt consolidators will negotiate with lenders to lower interest rates or lengthen loan terms, aiding the borrower&#8217;s efforts to repay all their financing. Consolidation loans can sometimes pay low-amount loans completely.<\/p>\n\n\n\n<div style=\"height:35px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Pros_and_Cons_of_Secured_and_Unsecured_Loans\"><\/span><strong>Pros and Cons of Secured and Unsecured Loans<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Both types of financing aren&#8217;t perfect. However, they can be advantageous in certain situations.&nbsp;<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Pros of Secured Loans<\/strong><\/h3>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>1. Better Loan Options<\/strong><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">If you&#8217;re not in a hurry, a secured personal loan offers better and higher loan options for you. Anyone who owns valuable properties can use it as collateral to finance an entire college fund, new property, or business investment.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>2. Lowest Interest Rates<\/strong><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">One of a secured loan&#8217;s best advantages is to significantly lower your interest rate. Despite a low credit score, borrowers with collateral can offset their perceived default risk. In doing so, their interest becomes lower than before, but they risk losing their collateral.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>3. Effective Credit Score Supplement and Builder<\/strong><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Collateral allows you to take on high-tier loans, guaranteeing better reputation grades once you accomplish paying for it.<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Cons of Secured Loans<\/strong><\/h3>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>1.  Does Not Aid Default Risk Stated in Credit Reports<\/strong><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Banks still have their eye on you despite your reputable standing and collateral use. Even with your collateral, the item&#8217;s value may degrade over time, putting them at a loss if you default.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>2. You Can Lose Properties\u00a0<\/strong><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Your collateral serves as a debt safeguard. If you default, you lose your home, car, or other valuables to lenders.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>3. High Amount Loans are Liabilities<\/strong><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">When you default, you lose all collateral. However, if it isn&#8217;t a recourse loan, your high-amount loan remains a liability. You&#8217;ll still need to pay the remaining sum through a regular payment plan.<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Pros of Unsecured Loans<\/strong><\/h3>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>1. No Collateral<\/strong><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Without collateral, banks will use your credit report as the basis for your loan application. Licensed moneylenders approve non-collateral loans if you have complete requirements.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>2. Fast Loan Application Approval<\/strong><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">With banks, the loan approval process becomes slower due to intensive personal financial history investigation. Licensed moneylenders approve applications within an hour in good borrower faith.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>3. Flexible Payment Options<\/strong><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Both banks and licensed moneylenders offer borrowers flexible payment options. However, moneylenders provide even more flexibility because they cater to low-income borrowers.<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\"><strong><strong>Cons of Unsecured Loans<\/strong><\/strong><\/h3>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>1. Limited Loan Options<\/strong><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Because of its unsecured nature, banks and licensed moneylenders cannot provide higher loan amounts.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>2. Often Reaches Ceiling Interest Rates<\/strong><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Both banks and moneylenders will start from the maximum interest rate possible. Banks will reduce it according to data they gather from your fiscal history.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>3. Credit Reports Play an Enormous Role<\/strong><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">For banks, credit scores are the most significant indicator of trustworthiness for borrowers. If you borrow from licensed moneylenders, you won&#8217;t have the same problem.<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Where They Different<\/strong><\/td><td><strong>Secured Loans<\/strong><\/td><td><strong>Unsecured Loans<\/strong><\/td><\/tr><tr><td><strong>Security<\/strong><\/td><td>Collateral assets for securities<\/td><td>Credit-based security<\/td><\/tr><tr><td><strong>Interest<\/strong><\/td><td>Lower interest due to low risk<\/td><td>Higher risk therefore higher interest<\/td><\/tr><tr><td><strong>Processing<\/strong><\/td><td>Takes time due to collateral investigations<\/td><td>Decreased due to lack of collateral investigation. Requires extensive requirements<\/td><\/tr><tr><td><strong>Availability<\/strong><\/td><td>Presence of security and good credit increases available options<\/td><td>Process is easily available through moneylenders. Banks perform tough and lengthy credit checks<\/td><\/tr><tr><td><strong>Credit<\/strong><\/td><td>Collateral amplifies low credit scores&nbsp;<\/td><td>Licensed moneylenders do not consider credit scores. Banks depend greatly on credit reports.<\/td><\/tr><tr><td><strong>Uses<\/strong><\/td><td>Any purpose<\/td><td>Short-term purposes<\/td><\/tr><tr><td><strong>Size\/Loan Value<\/strong><\/td><td>All kinds of loan amounts<\/td><td>Small and medium amounts<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<div style=\"height:50px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"All_That_Matters_is_You_Fulfill_All_Your_Responsibilities\"><\/span><strong>All That Matters is You Fulfill All Your Responsibilities<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Knowing your needs and consequent financing liabilities is much more crucial than choosing whether a secured or unsecured loan is better than the other. Keep in mind: financing is a privilege. It isn&#8217;t something that you can freely use without consequences.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If you need excellent unsecured loans with zero credit report requirements, you can always count on Raffles Credit&#8217;s offers.&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Singapore has an excellent selection of personal bank loans you can use [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":9449,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_seopress_titles_title":"Secured vs Unsecured Loan: What Is The Difference?","_seopress_titles_desc":"Singapore bank loans may confuse you with an option to use secured or unsecured loans. Which one should you use? 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