I signed the appointment letter today with a bank in singapore and have to declare all my debts/loans.

question is. should I declare everything?

My employer in Singapore gave me a stack of forms which I have to sign. one of it is credit check on me.
Can i know if I don't sign the credit form, what will happen?
Can they access my credit report through ccris since they are not a member, unless going through their subsidiary in malaysia.

I am in a financial industry. thus, credit check is highly important to employers. yea. I missed some months of my repayment in ptptn. however, ptptn is not under category of secured loan. so I think i dont have to declare.

they asked me to declare whether i m in the state of indebtedness. include -" repayments under any secured loan or hire purchase agreement overdue by more than 3 months. "

and to my knowledge . A secured loan, is a loan in which the borrower pledges some asset (e.g. a car or property) as collateral for the loan, which then becomes a secured debt owed to the creditor who gives the loan.

PTPTN is not under secured. it uses guarantor which are my parents.

Guys. I plan to rent a room in tampines or Pasir Ris. Any opinion on these two areas. Thanks

I think the process normally will be .. you got the offer letter. signed it return to new company -> tender yr resignation -> subsequently your company will apply for permits. normally permits will be approved.

mine case which happened recently.

was given verbally and email that I have got the offer from HR A-> i proceed to tender -> HR B gave me a hard copy of offer letter to be signed and return-> HR B apply permits -> Permits got approved after 3 business working days -> HR B ask me to tender, but i told HR i already tender -> HR B ask me to come to singapore for medical to complete the process.

HR A and HR B are two different person.

there are two parts of questions here by you. i will answer them separately.
1. your company is playing safe. They dont want to disappoint you by having you tender and what-if your permits got rejected. then you are trapped.
2. For a company to apply for permits, there are a lot of paper works involved to be submitted to MoM. you probably will leave a bad impression to HR. blacklisted? might be too.
3. my question to you. What company is that you apply with? MNC?

HR applied my EP on 14th july , approved on 19th July. Didn't even expect it to be so quick .

What is IPA?

My EP was approved . But I did not received IPA. Why is that?

Thanks!

attached with link

http://www.mom.gov.sg/newsroom/press-relea...salary-criteria

I think your company is bs you. What you mean tough ? As long as u and your company meet all the requirements. You will get e pass

nope. but TS has passed the min requirement for EP. why is he getting non-ep

400? single room?

How come everyone's room seem to be less than 1000. Mine is 1000 in pasir ris.

a little expensive. and condo room is much smaller than hdb. will find for other alternative.

condo. common room only

everything is inclusive, air con- limitless. cooking is allowed and the best thing is i can bring guest home and there is no limit to how many days or nights