- The loan type and tenure, total outstanding principal amount and total amount payable
- Details of all active loans the borrower has with licensed moneylenders and the repayment status of each loan.
Singapore – As you probably have read in the news about the changes in moneylending rules in Singapore. The slew of changes enforced on 1 Oct 2015, has led to to a change in how moneylenders manage their borrowers. The Insolvency & Public Trustee’s Office (IPTO) in Singapore is a department under the Ministry of Law (MinLaw).
IPTO oversees the administration of individual and corporate insolvencies, the administration of small intestate estates and un-nominated Central Provident Fund (CPF) monies, as well as the licensing and regulation of moneylenders and pawnbrokers.
So there’s IPTO, which assists the Registrar of Moneylenders and the Registrar of Pawnbrokers in licensing and regulating moneylenders and pawnbrokers in Singapore. IPTO also safeguards borrowers should any licensed moneylender breach the Moneylenders Act.
Simplified MinLaw moneylending rules and recommendations
- You are legally obliged to fulfil any loan contract made with a licensed moneylender. So basically, read the fine print and let the loan officer explain the loan conditions to you.
- Think about any current debts and loan obligations such as recurrent fees. Be smart about the contractual terms, and calculate out the late payment fees and interest repayment.
- Always be reminded, that the law requires moneylenders to explain the terms of a loan in a language that is understandable by you. Plus you are to be provided a copy of the loan contract.
- Shop around for different moneylenders that are able to provide you the best loan terms. Not just us at Empire Global, feel free to check out other licensed moneylenders but also check with our loan officers on what we are able to provide.
How much are you allowed to borrow?
- Up to $3,000, if your annual income is less than $20,000;
- Up to 2 months’ income, if your annual income is $20,000 or more but less than $30,000;
- Up to 4 months’ income, if your annual income is $30,000 or more but less than $120,000; and
- Any amount, if your annual income is $120,000 or more.
What are the Interest Rates Moneylenders can charge?
In the past, loans contracted between 1 June 2012 and 30 September 2015, licensed moneylenders are required to compute and disclose the Effective Interest Rate (EIR) of the loan, before the loan is granted. If a borrower’s annual income is less than $30,000, then the interest rate which licensed moneylenders can charge is capped at 20 per cent Effective Interest Rate for unsecured loans.
Visit https://www.mlaw.gov.sg/content/rom to find out how to calculate Effective Interest Rate from 1 June 2012. However if your annual income exceeds $30,000, the interest caps do not apply and is to be agreed upon the moneylender and the borrower.
However with effect from 1 October 2015, the maximum interest rate licensed moneylenders can charge is 4% per month. The interest rate cap applies regardless of a borrower’s income and whether the loan is unsecured or secured. Should a borrower fail to repay the loan, the maximum interest rate is capped at 4%.
What are the fees that moneylenders can charge?
For loans contracted between 1 June 2012 and 30 September 2015, moneylenders are only permitted to charge six types of fees:
- For each occasion of late repayment of principal or interest;
- For each occasion the terms of the loan contract are varied at your request;
- For each dishonoured cheque issued by you;
- For each unsuccessful GIRO deduction from a bank account, as payment to the moneylender;
- For early redemption of the loan or early termination of the contract; and
- Legal costs incurred for the recovery of the loan.
Any other fees are not permitted, and are hence not enforceable by the moneylender.
With effect from 1 October 2015, all moneylenders are only permitted to impose the following charges and expenses:
- a fee not exceeding $60 for each month of late repayment;
- a fee not exceeding 10% of the principal of the loan when a loan is granted; and
- legal costs ordered by the court for a successful claim by the moneylender for the recovery of the loan.The total charges imposed by a moneylender on any loan, consisting of interest, late interest, upfront administrative and late fee also cannot exceed an amount equivalent to the principal of the loan.
Summary: After Effects of New Moneylending Rules
Licensed moneylenders are getting a better structure being laid out by MinLaw and hopefully this will lead to a better name for themselves. With the government cracking down hard on unlicensed moneylenders and errant licensed moneylenders, the public at large will better understand the system that in place.
As licensed moneylenders numbers decreases due to either difficulty in adapting to the new moneylending rules, the remaining licensed moneylenders have quickly switched to a new business model to adapt.
Also learn how to identify licensed moneylenders using 7 simple rules that you really apply before borrowing from them. Most importantly of which, one should not borrow from lenders who advertise their services.
Here’s a little comic from IPTO for an easy guide on borrowing wisely from licensed moneylenders.
The much talked about Moneylenders Credit Bureau will need all licensed moneylenders to provide information on their loans and the borrowers repayment details. This was announced after the 4% interest rate cap.
Individuals used to be able to take up multiple loans from different moneylenders, without proper checks conducted on their repayment ability. Most of the time, it depends on the loan officer assessment of the borrower. Now, with the implementation of the Moneylenders Credit Bureau, licensed moneylenders will get the latest information of the borrower’s credit risk and their debt servicing ratio. This allows a better assessment of the borrower’s loan situation and ensure that borrowers do not borrow beyond their repayment ability.
We do understand the government standing on this as it primarily educates the borrowers on a larger scale. We have rejected borrowers before just by assessing their current withstanding loans. We also support this movement as this provides a safety net for businesses like us in the moneylending industry as this will prevent a percentage of borrowers who could not repay their debts from over borrowing. Financial institutions and licensed moneylenders would not want to overwrite bad debts as it leads to high overheads.
Moneylenders Credit Bureau in Singapore
The main goal of the Moneylenders Credit Bureau is to protect borrowers. This was due to many complaints from the public on errant companies making borrowers lending money beyond their means. Errant companies also charge overly high interest rates leading to borrowers being unable to repay.
Licensed moneylenders benefit from this new Act, as they can now tap onto the information by the Moneylenders Credit Bureau to affirm their loan assessment.
This will curb excessive borrowing and “help debtors to keep their loan commitments at a more manageable level”, DP Info said.
“We’ll be able to know how much a borrower has borrowed from other moneylenders, so that we won’t over-extend the loan,” said Mr Peter Tan, vice-president of the Moneylender’s Association of Singapore.
Said Lincoln Teo, chief operating officer of DP Info: “The information provided will help promote responsible borrowing. The transparency also means that individuals, when seeking to buy a credit product from a moneylender, will be more likely to take their personal and financial circumstances into account when making their decision. This initiative will eventually see a reduction in the number of defaults. The introduction of the Moneylenders Credit Bureau brings us even closer to a holistic assessment of a borrower’s credit worthiness and repayment abilities.”
“Coupled with our other bureaux and through DP Info’s sophisticated technology, we hope to provide the licensed moneylending community with more data and information to make better decisions. The information will help promote responsible borrowing.”
“This initiative will eventually see a reduction in the number of defaults.”
DP Info currently operates two other credit bureaus – the DP Credit Bureau and the DP SME Commercial Credit Bureau. Read more on DP Info announcement on the new ruling of the Moneylenders Credit Bureau.
Licensed Moneylending News
27 Nov 2015: With the Credit Bureau, has now benefited welfare organisations.Two voluntary welfare organisations (VWOs)- Blessed Grace Social Services and Adullam Life Counselling – can now, with a borrower’s consent, refer to a credit bureau to get a clearer picture of his/her credit records. This is from a new memorandum of understanding signed between VWOs and the Moneylender’s Association of Singapore (MLAS) and DP Information Network.
These VWOs, work as mediators between debtors and licensed moneylenders as they work out structured repayment programmes agreeable to affected parties.
The DP SME Commercial Credit Bureau contains over 15million payment records of Singaporeans and Singapore businesses. This information can be accessed by the VWOs, and the information is gathered monthly from bureau members.
MLAS president Peter Tan said: “We hope that by working together with the VWOs, most debtors will be able to settle their debts in a restructured repayment scheme.”
General Elections 2015 begins! It’s time to cast your votes! This time to your political party in Singapore. The General Elections of 2015 are just around the corner and it has caused quite a sensational stir here in Singapore. With the added usage of social media and the gen-y kids with their first foray into the voting cycle, it’s no wonder every news platform is publishing about the general elections.
Well, here at Empire Global we are under the Bishan-Toa Payoh GRC. Which is the political fight between the incumbents PAP versus the SPP-DPP joint party. It will be an exciting fight as strong leaders of the PAP have stepped down to make way for new leaders. Of course, we will not tell you which party we are voting for (voting is secret).
General Elections 2015 & Money
Money has always been on every Singaporeans minds especially in regards to housing loans, loans and CPF. Debates have been launched on such topics and it will always be the talk of the town. This is important as the cost of living in Singapore is set to rise, the thought of having to work till old end is certainly scaring the younger generation to build families.
It has been significant in our population numbers as the number of new births are on the decline. Even with subsidies and incentives setup for families, Singaporeans at large are still on a worrying mindset of money and trying to keep up with their loans.
And yet the cost of living is one of the most complained issue during the general elections. Furthermore, the widening income gap has made the situation worse. Some of our customers mentioned about the cost of living in Singapore and how it had affected them when they come to our loan officers.
“It’s not just about people paying more. The deeper unhappiness is the sense that economic growth and wealth have not been suitably shared.” – SMU law don Eugene Tan.
This has probably got people to pay more attention to what the different political parties have to say on the different heartland issues in Singapore during the general elections campaign. It is clearly evident this time round as crowds had turned up during the Worker’s Party first campaign.
Government Policies & General Elections
Like you, we are concerned about business. In terms of employment as an employer, we do have issues in hiring and maintaining our staff at times. We also look towards the different policies that the government intends to implement. Such as the much talked about 4% interest rate on money lending. That has caused quite a stir within our moneylending industry. Even at Empire Global, we have to make a couple of changes in terms of our business. We of course want what is best for our borrower clients.
The debates on foreign talent (FT) is especially obvious. Furious locals are banking on new policies to change the numbers of such foreign talent that seems to be snapping up their jobs. We as employers are more concerned with employing reliable and good people.
It indeed is a complicated case that remains set to be unresolved totally. Read more on a debate that about general elections whether it is able to cause investors to flee if the ruling party loses more than half the votes.
Well what about you? Who’s your favourite political party?
P.S: We have no affiliation with any political party. Just a voice.
There are many different types of loans and different schemes that are tagged to each loan type. This may confuse borrowers who are seeking out the best loan type on their loan. Today, we discuss about how to get low interest on your personal loans.
Personal Loans Demystified
A personal loan may very well be the best loan type when emergency cash is needed. The fast service and fast cash advances provided by money lenders allows you to put your mind at ease.
Repayments are worked out mainly based on your salary and some other factors. Hence its still possible to get low interest on your personal loans.
As personal loans are mostly unsecured, borrowers in Singapore will not be required to put up any form of collateral or mortgages to take up a loan.
Low Interest Loan Factors and Eligibility
As mentioned, the major factor in determining loan eligibility largely lies in the borrowers’ source of income and income level.
The higher a borrower earns, the higher the loan amount that a borrower is able to get. This main factor determines the increased chances of loan approval with low interest rates and is common in both banks and money lending institutions.
A common practise is that most banks and money lenders will allow borrowers to lend up to four times 4x of the borrower’s monthly salary. Further which, if a borrower is able to show that they are able to repay loans on time, the personal loan contract could be better.
When a Loan Offer is too Irresistible
The revision of the Moneylender Act in 2010 has led to money lending firms to start in neighbourhood and suburbs. They offer a variety of loan services.
However, it’s noted that the rulings and the increased number of money lenders with bad practises and many new unlicensed moneylenders who sometimes claim that they are licensed. These errant lenders target on borrowers who needed cash urgently hence landing themselves in bad loan debts.
More often than not, errant lenders will offer extremely low interest rates but implement fees or give difficult repayment terms that the borrower can’t match up.
Make Loan Comparison Before Borrowing
Always compare. That’s the simple rule of a consumer. There are varying personal loan interest rates from different financial institutions hence compare and choose amongst those with low interest rates.
Find out their loan offerings and as a borrower, best in mind your debt servicing ratio. This is the total amount of debt (monthly repayments to all your bills) in comparison to your total income.
This calculation technique allows you to check whether you are able to incur more debt and whether you are able to meet your monthly repayments on your personal loan.
Most importantly, check that your debt servicing ratio does not exceed 50% of your total income. Otherwise, banks and lender might not allow you to take up the loans or offer you a higher interest rate instead.
Get the Right Money Lender for Low Interest Rate Loan
Once you have fully considered your debt amount and the monthly repayments you can manage with, plus your outstanding debts owing each month, then you can finalize your decision on getting the right licensed money lender.
Get the money lender that offers the best low interest rate on your personal loan in Singapore.
Ensure that the lender is reliable and honest with you. The loan officer will well advice on your loan amount, interest rates and repayment amount and schedule.
Ensuring that the money lender company is trustable and licensed is very important. Most licensed lenders will work out the repayment package to best suit your current needs.
Go to a money lender with good reviews and rose your time to compare the loan interest rates between companies.
As a borrower, ensure that you meet the repayments on time!
Use our online loan application form too and our friendly loan officer will best advise you on your loan.
The government has accepted new proposals on licensed moneylending, together with one of the biggest change amid protests which is the 4% interest rate cap per month.
The Government has accepted most of the recommendations put forth by an advisory committee and these changes will be implemented progressively starting from July this year (2015). And yes this news has caused quite a stir in the moneylending industry but we at Empire Global are well prepared for these changes.
With twelve of the 15 recommendations from the committee being accepted, the new changes has created some news amongst moneylenders. Two of the recommendations – to lift to lift the moratorium on the granting of new licenses and to regulate debt collection behaviour will be reviewed in time as the moneylending industry adapts to the new regulatory changes.
4 Per Cent Interest Rate Cap: How does it affect everyone?
In order to protect borrowers, the new ruling will place caps on interest rates. As of current rules, there is no cap on interest or late interest rates for borrowers earning more than S$30,000 annually. Some licensed moneylenders charge additional fees (e.g when GIRO repayments fail or dishonoured cheques are issued).
There is currently no restrictions on the total borrowing costs for moneylending loans.
With the new measures kicking in, licensed moneylenders will be restricted to maximum rates. This include the new ruling that they cannot charge interest of more than 4 per cent per month plus this has to be on a reducing balance basis. Should a borrower be late in his repayments, licensed moneylenders can then charge a late interest, however this interest must not exceed more than 4 per cent.
The limit extends to charges on late payments: A similar maximum interest rate of 4 per cent a month, while late fees will not exceed S$60 a month.
Going forward, the total borrowing cost will be capped at 100 per cent of the original loan to keep debts from spiralling. Additional fees for, say, early loan redemption or unsuccessful GIRO deductions will not be allowed.
Furthermore, the total borrowing costs will not exceed 100 per cent of the principal loan sum which will prevent debts from getting out of control.
New Moneylending Regulations affecting Moneylenders?
Chairman of the Advisory Committee Manu Bhaskaran said data has been carefully studied to ensure that the industry remains commercially viable, even with the new caps.
“We completely accept that there will always be a class of distressed borrowers who will not be able to secure loans that they need urgently, from banks and other financial institutions,” he said. “So there is a role for a moneylending industry. And once you accept that, you must accept that you should allow them to have a decent return, taking into account the risk that they face, which is much higher.”
Although with the 4 per cent ruling, moneylenders will be allowed to charge an administrative fee up front, capped at 10 per cent of the original loan amount, for legitimate costs such as securing credit reports.
With regard to borrowers earning more than S$20,000 annually, the new rules will cap their loans at six times their salary from all licensed moneylenders. Such borrowers can currently take a loan of up to four times their monthly salary from each moneylender.
What’s Not Including in the Recommendations?
The government did not accept a recommendation that moneylenders be allowed to advertise in newspapers using strict templates, taking the view that advertising could lead to increased borrowing.
A new Moneylenders Credit Bureau will also provide a centralised, comprehensive database of borrowers who use licensed moneylending services.
“We set up this committee to come up with recommendations that would help protect the consumer, the borrower. But at the same time, if you kill off the moneylending industry, then the people who need to borrow won’t get access,” Mr K Shanmugan, Minister for Law and Foreign Affairs said. He further mentioned that the new recommendations are centred on how best to balance both.
The 4% interest rate caps would be the first of a list of proposals recommended by the committee to be rolled out within a month by the Law Ministry.
Mr Manu Bhaskaran, director of Centennial Group International and chairman of the committee said, that the committee has decided to accept the moneylenders’ recommendations to help them cover their administration costs incurred in giving out the loans and late payments from borrowers.
More References: TODAY reports on moneylending interest rate cap
More often than not we get asked what is a personal loan and how do we differ from a bank in Singapore. Basically licensed money lenders just work similarly to banks here.
So what is a personal loan company in Singapore really mean and how does the personal loan work out from these money lenders.
Looking for a personal loan company? When exactly?
With the current cost of living rising and jobs being harder to find, more and more people who aren’t so prudent with their finances end up in debts. When one’s financial situation gets out of hand, one turns to friends or families and if that doesn’t work out, you turn to banks.
At times, a person’s credit report or rep sheet is not so great and in turn there’s the licensed moneylender option.
So how does one know that a company operating a licensed money lender is good? Do what a shopper would do. Check out their personal loan rates, ask for their best loan terms & loan period.
Do not forget to ask about the effective interest rate. And just do a simple comparison of what you have.
Lender policies differ between lender to lender, more often than not its the loan terms and interest rates that sets them apart.
Some lenders will be able to offer a flexible personal loan period to suit your needs even. Always shop around and of course customer service plays an important role.
Even us at Empire Global want you to compare. You can easily submit a loan request to us through our online personal loan application. We will get back to you in the quickest time possible on your loan terms.
What determines the personal loan offer you get in Singapore?
Although money lender have different personal policies, the main factors remain. Companies like us will look at the type of loan you want, your loan period, your base salary.
Loan specialists will evaluate your financial status and recommend a suitable loan amount, rate and tenor based on your financial needs and ability to repay the loan over time.
Scams from Unlicensed Moneylenders
Believe most of you have read about moneylender scams and loan sharks trying to taunt you to pay up.
These online and offline harassment techniques can certainly be irritating. Some come in the form of SMSes that start out with “OWE $ PAY $”, including a “lovely” expletive and ending with “I SURE COME LOCK AND BURN YOUR HOUSE TONIGHT”. That makes one big bad wolf.
Luckily for us, the Singapore government has been tough on cracking down such cases. Licensed moneylenders found to using such techniques will get their licenses suspended or face a hefty fine.
Licenses of moneylenders have become lesser, as some licensed money lenders end up losing their licenses due to bad practises. Loan sharks and unlicensed moneylenders cases have been facing a lot of heat as the police cracks down on them.
There’s lots of publicity on it and the police has taken an active role in educating the public at large.
Foreigners Seeking Loans: Enter Foreigner Loan
Although there’s banks and financial instituations, there are a lot more restrictions in place when they provide personal loans.
If you are a Singaporean or a PR that doesn’t earn more than the $20,000 /yr quantum, it can be quite tough to get a loan.
Furthermore if you are a foreigner with less than $45,000 annual income it gets tough to borrow from the banks. So most of the times, foreigners approach licensed money lenders for a take on loans.
How Much Can you Loan?
As mentioned earlier, if your annual income is less than $20,000, it’s tough to find a bank willing to provide an unsecured loan for you at the best possible rates.
However, most licensed money lenders will be able to legally loan you up to $3,000. If you are earning more than $20,000, a licensed money lender can then loan up to 2 to 4 month’s of you salary. Which is why we ask for a proof of salary at times. The loan amount depends on your repayment period too.
Do contact us if you require a personal loan.
The digital age has certainly changed the way business is done. And the illegal moneylender (loansharks) have taken it to new heights. We at Empire Global take a look at how the industry is changing rapidly.
Harassment Online: Name Shaming
Loansharks are now using social media to take their “Owe$Pay$” threats online. One creates a fake account that replicates the borrower’s with similar name and befriends everyone that he knows. And then the big hit comes whereby the loanshark starts placing posts on the account.
They even use postcards with pictures of the victim’s identity card, plastered with O$P$ and plastered them onto the fake account. This is just one such antic being used by them.
By name shaming and cyber bullying the borrower, the unlicensed moneylender gets to publicly let the victim’s closest ones know about his borrowing issue.
Help Yourself from Illegal Moneylender
Firstly, the law is on your side in an online bullying case. Facebook complaints falls the Protection from Harassment Act (POHA) because he had claimed the content on Facebook was false.
Secondly, under the Moneylenders Act, any person who, acting on behalf of an unlicensed moneylender, commits or attempts to use any threatening, abusive or insulting words, behaviour, writing, sign or visible representation, or commits any act likely to cause alarm or annoyance to his borrower or surety, any member of the family of the borrower or surety, or any other person, may face up to five years in jail, a fine between $5,000 and $50,000 and is also liable to get caned.
With the police clamping hard on harassment cases coupled with the use of modern technology plus social media, the police have come up with alternatives to get the public at large to help them.
Posting images of loanshark harassment, with their deeds online, the police appeals to the public to turn n such offenders. Such as Liu Yimin Lynnette, 28, who was charged in court facing seven charges of splashing red paint on doors and pasting envelopes with “O$P$”, the unit numbers of the borrowers, and a mobile number on the walls beside the units.
News publishers such as AsiaOne has taken this another step further by showing a map of the money harassment cases (Loanshark Harassment Hotspots) occurring in Singapore. These are public information gathered from SPH news sources to give the public a better look at the harassment cases by illegal moneylenders.
Borrow from Licensed Moneylender Instead
Simply avoid all these harassments that could ruin your name by going to proper licensed moneylenders instead. There are limited licensed moneylenders and every year it becomes harder for businesses like us to maintain the moneylender license.
This is due to changing policies that improves the safety nets of borrowers. We encourage these moves by the government no doubt as it makes things smoother for us.
With strict regulations by the government and heavy punishments for licensed moneylenders if they made offences. Hence borrowing from licensed moneylenders make a better choice.
Negotiations between lending officers becomes easier too. Tell us your concerns and we can help you.
The licensed money lender industry in Singapore has gotten its run of bad publicity for 2015 given the recent events occurred amongst debt collection. Debates have been brought up on how debt collection can be made better.
Licensed Money Lender Scene
This was due to a recent scene in the licensed money lender industry in Singapore when seven employees of Double Ace Associates confronted a stall owner at Funan DigitalLife Mall foodcourt and created a big scene during the busy lunch hour. All offenders were charged with unlawful assembly just last month.
Licensing Debt Collection in Singapore
Licensed money lender hire debt-collection companies from time to time for long standing debts that they cannot handle and this incident highlighted on how a loan can go horribly wrong.
“Licensing the debt-collection industry could clean up its image, and clamp down on the use of harassment tactics” – suggested by Mr David Poh, President of the Moneylender’s Association of Singapore, has been backed by the Credit Collection Association of Singapore (CCAS).
This matter of debt collection has been raised in Parliament last month when MP Foo Mee Har mentioned whether debt collectors should abide by a code of conduct, and if the Government of Singapore would consider introducing laws that govern fair deb-collection.
Others have mentioned that should such a code of conduct be in place, there will be a lot of infrastructure that needs to be put up for case investigation. Hence the onus should be on the licensed money lender, to ensure their debt collectors do not use violence or high pressure tactics.
“Moneylenders found to have committed offences may have their licences suspended, not renewed or revoked by the registry,” Senior Minister of State for Law Indranee Rajah
Late Fee Charges by Licensed Money Lender
Late last year, an article about how a borrower got a small loan and incurred a large debt due to the late fee charges.
Suggestions have been made to cap the penalty late charges. However this has led to many licensed money lenders protesting that the new rules could kill their business.
This is why at Empire Global we always encourage borrowers to negotiate early and fully understand the terms involved. Terms from different licensed money lender vary greatly. All these could lead up to you getting into greater debt.
Licensed Money Lender Woes & The Review Committee
With the advisory committee proposing major changes of which a controversial interest rate cap of 4 percent per month has led to an outburst in the licensed moneylending industry.
Many licensed money lender in Singapore have mentioned that the cap will lead to borrowers not paying back instead. Without late penalty charges, it will be tougher to collect back their money.
Borrowers have a higher chance to default on their payments. Leading to lower profit margins by the money lenders.
The advisory committee basis on the proposed interest rates is also referred to prevailing interest rates charged by licensed moneylenders in jurisdictions like Hong Kong, Australia, Japan and Britain, which range from 1.5 to 4 per cent.
We at Empire Global are looking at ways to improve our infrastructure and to work with the interest rate cap. Hopefully, the Ministry of Law considerations on relaxing advertising restrictions on newspapers will be implemented.
Personal Loans Applicable for Businesses?
What about Personal Loan Singapore? Viable?
Affordability of Personal Loans
Should I Get a Personal Loan?
In Summary: Key Advantages of Personal Loans
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