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1 Refinance Home Loan in Singapore - MoneySmart
https://www.moneysmart.sg/refinancing
Refinance your home loan by comparing and get the best mortgage rates for your HDB & private property from over 11 financial partners in Singapore.
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2 Best Home Mortgage Loan Refinancing 2022 - ValueChampion
https://www.valuechampion.sg/best-home-loan-refinancing-singapore
By refinancing from 2.0% annually to 1.5% per year, you can save S$2,500 per year. However, legal fees in Singapore can cost about S$2,500, ...
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3 The Ultimate Guide to Refinancing your home loan in Singapore
https://www.redbrick.sg/blog/refinancing-home-loan-singapore/
Are you thinking of refinancing your home in Singapore? This article covers the ultimate guide to refinancing your home loan in Singapore.
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4 Best Refinance Home Loans in Singapore - PropertyGuru
https://www.propertyguru.com.sg/mortgage/home-loan/refinancing
Refinancing involves remortgaging your home loan to another bank. This is done to reduce your interest rates, resulting in savings on your monthly instalments.
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5 Refinancing - Home loans - HSBC Singapore
https://www.hsbc.com.sg/loans/products/home/refinancing/
Refinance your home loan property with our wide range of personalised repayment plans and options from HSBC Singapore. Find out more today.
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6 8 Tips to Refinance a Housing Loan in Singapore
https://dollarbackmortgage.com/blog/refinance-housing-loan/
8 Tips to Refinance a Housing Loan in Singapore · 1. It's a good idea to look for refinancing options in the fourth year or beyond · 2. Consider whether the ...
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7 Refinancing Your Private Property Loan - Singapore - DBS Bank
https://www.dbs.com.sg/personal/loans/homeloans/refinance-private-property-loan
Refinancing Your Private Property Loan ; Step 01. Have you passed your loan's lock-in period? ; Step 02. Choose a package to maximise your savings ; Step 03.
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8 Home Loan Refinance Rates & Packages - OCBC Bank
https://www.ocbc.com/personal-banking/loans/refinancing-home-loan.page
Singaporean, Singapore PR or foreigner above 21 years old · Those holding a minimum loan amount of S$200,000 for a HDB or S$300,000 for a private home.
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9 Review Mortgage Refinancing Rates - MortgageWise
https://www.mortgagewise.sg/refinance/
I had a good deal for my mortgage loan after her professional advice and now, i hesitate not to look for her again for refinancing this time. Amanda is very ...
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10 Refinancing - United Overseas Bank Limited (UOB)
https://www.uob.com.sg/personal/borrow/property/mortgage-guide/refinancing.page
Refinance your residential or commercial property with UOB to enjoy ... in Singapore, for new purchase or refinancing from another bank/HDB.
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11 Step-by-Step Guide to Refinancing ... - DollarsAndSense.sg
https://dollarsandsense.sg/step-by-step-guide-to-refinancing-your-home-loan/
In Singapore, most home loan packages are structured in a similar way: interest rates for the first 3 years are attractively low, followed by a ...
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12 Home Loan Refinance Calculator - Citibank Singapore
https://www.citibank.com.sg/loans/mortgage/mortgage-calculator/refinance-home-loan?lid=SGENCBGMRMITLRefinancing
Calculate how much you can save on home loan refinancing with Citibank Mortgage Refinance Calculator. Learn how to save more with Mortgage Loan Interest ...
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13 Personal Loans and Mortgages - Standard Chartered Singapore
https://www.sc.com/sg/borrow/
› sg › borrow
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14 Refinance Loan Calculator - Singapore - iCompareLoan
https://icompareloan.com/refinance-loan-calculator
Refinance Your Property · SF. 2 Years Lock-In Floating Rate for Private Property Completed (Investment Use)_$300K. Float (3.63%) · SF. 3 Years Lock-In Floating ...
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15 Why everyone in S'pore who can refinance their homes can ...
https://mothership.sg/2022/06/refinance-home-singapore-propertyguru/
Homeowners in Singapore are not taking advantage of refinancing due to the fear that ... You can refinance from an HDB loan to a bank loan.
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16 What to know before buying a new property, or refinancing ...
https://www.straitstimes.com/business/property/what-to-know-before-buying-a-new-property-or-refinancing-your-home-loan
Mr Lim Beng Hua, UOB's head of secured loans, answers your key questions about rising mortgage rates in Singapore.
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17 3 reasons why you should refinance your home loan
https://financeguru.sg/worth-refinancing-reasons-to-refinance-home-loan/
Whether it's worth it to refinance depends solely on your financial needs and lifestyle. Though, many homeowners in Singapore save up to ...
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18 Online Personal Loans + Full-Service Banking at LendingClub
https://www.lendingclub.com/
Refinance and drive away with savings. Put more money back in your pocket by refinancing your car loan with LendingClub. There are no origination fees or ...
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19 Compare Best Home Loan Refinance Rate in Singapore (2022)
https://www.moneyline.sg/best-home-loan-refinance-rate-in-singapore/
Refinancing generally means replacing your existing loan package with another. The main reason for you to refinance your existing home loan/mortgage is to take ...
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20 Step-by-Step Guide to Refinancing Your ... - Yahoo Finance
https://sg.finance.yahoo.com/news/step-step-guide-refinancing-home-001007006.html
In Singapore, most home loan packages are structured in a similar way: interest rates for the first 3 years are attractively low, ...
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21 Mortgage Loans (Housing Loan, Term Loan) | Bank of China ...
https://www.bankofchina.com/sg/pbservice/pb2/201001/t20100120_955824.html
Singapore Citizens, Permanent Residents and Foreigners may apply. ... Loan statements for the preceding 6 months from existing financier (for refinance).
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22 Property Loans - Maybank Singapore
https://www.maybank2u.com.sg/en/personal/loans/property-loans/index.page
Competitive housing loan interest rate packages. Up to 75% financing. Receive cash rebate when you refinance your existing home loan to us. Unlock the value of ...
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23 Reply to Parliamentary Question on encouraging banks to ...
https://www.mas.gov.sg/news/parliamentary-replies/2022/reply-to-parliamentary-question-on-encouraging-banks-to-help-retired-seniors-refinance-housing-loans
To ask the Prime Minister whether MAS can encourage banks to help retired seniors who are above 65 years old refinance their housing loans ...
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24 5 Unthinkable Reasons Why You Are Not Refinancing Your ...
https://mortgagemaster.com.sg/blog/post/5-unthinkable-reasons-why-you-are-not-refinancing-your-home-loan
You may have your reasons why you do not want to refinance your home ... some homeowners adopt when it comes to home loans in Singapore.
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25 When Should You Refinance Your Home Loan In Singapore?
https://www.creditthirty3.com.sg/refinance-home-loan-singapore/
Refinancing your home loan allows you to take advantage of lower interest rates, saving you money in the long run.
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26 Refinance Home Loan To Slash Your Existing Mortgage Rates
https://www.housingloansingapore.com/mortgage/refinance-home-loan-to-slash-your-existing-mortgage-rates
Other than taking advantage of existing low housing loan interest rates, here are some other things you can do when you are considering Singapore home loan ...
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27 Refinance Motorcycle Loan | Bike Financing Services
https://speedzone.sg/refinance-motorcycle/
Refinance Motorcycle at one of the most competitive rates in Singapore. Refinancing your bike with Speedzone seemless loan packages.
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28 LendingTree: You Win
https://www.lendingtree.com/
Mortgage. Rates as low as. 5.50%. 5/1 ARM $200,000 LOAN · Home Refinance. Rates as low as. 5.88%. 30 year fixed $200,000 LOAN · Personal Loans. Rates as low as.
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29 Refinance - HDB
https://www.hdb.gov.sg/residential/servicing-your-hdb-housing-loan/loan-matters/refinance
You can refinance your HDB housing loan with one from a financial institution (FI) that is regulated by the Monetary Authority of Singapore.
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30 Cash-Out Refinancing Car Loan - Singapore - Speed Credit
https://www.speedcredit.com.sg/car-refinancing/
Refinance your car loan to save cash and enjoy cash-out. Get a lower monthly repayment and the lowest refinancing interest rate. Best cash-out refinancing ...
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31 Home Loans: Should You Lock In Current Rates Before They ...
https://blog.seedly.sg/refinance-home-loan/
Should you refinance your home loan now before rates rise further? ... As a result, the median mortgage rates across Singapore banks have ...
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32 Home Loans - SBI - Singapore
https://sg.statebank/home-loans
Minimum loan amount of SGD 500,000 is applicable for refinancing under Fixed Rate packages. ... Singaporeans / Permanent Residents: Photocopy of NRIC, both sides ...
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33 48 Refinance jobs in Singapore (1 new) - LinkedIn
https://sg.linkedin.com/jobs/refinance-jobs?trk=jobs_jserp_pagination_1&start=0&count=25
48 Refinance Jobs in Singapore (1 new) · Analyst (Junior/Entry Level) · Mortgage Account Executive · Loan Operations Analyst · Investment Analyst Intern (Full-time).
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34 MakerDAO Growth on Twitter: "7/18 The refinancing that SG ...
https://twitter.com/makergrowth/status/1445415209846329359
2/18 ✍️ The proposal is called "[Security Tokens Refinancing] MIP6 Application for OFH Tokens" The meaning is that SG – Forge is ...
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35 SG Cash N Cars | Car Loan Service Provider For New & Used
https://www.sgcashncars.com/
Best Car Loan Service for Singapore Vehicles! ... SG Cash N Cars - one stop for all your needs to own that next vehicle, ... Search (E.g.: Refinancing).
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36 What to consider when refinancing car loan singapore?
https://www.motorist.sg/ask-motorists/3724/what-to-consider-when-refinancing-car-loan-singapore
› ask-motorists › what-to-consi...
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37 When and why should you do mortgage refinancing - 99.co
https://www.99.co/singapore/insider/mortgage-refinancing/
Home loan rates in Singapore are on the rise again. ... At the same time, homeowners have been encouraged to refinance their mortgages to ...
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38 Prelude to the future of finance? SocGen is raising a loan from ...
https://www.marketwatch.com/story/prelude-to-the-future-of-finance-a-major-bank-is-raising-a-loan-from-a-defi-protocol-to-refinance-tokenized-bonds-11634588556
SocGen is raising a loan from a DeFi protocol to refinance ... SG Forge plans to offer such refinancing solutions for security tokens to its ...
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39 Refinancing - Loan$upermart
https://loansupermart.sg/our-services/refinancing/
Refinance Private Property Mortgage: Interest Rates. Refinancing in Singapore for private properties is only made possible through private banks or ...
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40 Private Property Loan & Financing - CIMB SG
https://www.cimb.com.sg/en/personal/banking-with-us/loans-financing/property-loan/cimb-private-property-loan.html
Let us help you with your journey to property ownership. CIMB Private Property loan can help you own a home, refinance an existing mortgage and more.
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41 Loan Re-financing - Sgcarmart
https://www.sgcarmart.com/news/writeup.php?AID=83
Refinancing, in its most common form, actually stemmed from home loans and ... You might opt to refinance your car loan simply because you want to save on ...
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42 When Should You Start Planning To Refinance Your Mortgage?
https://www.singsaver.com.sg/blog/when-should-you-start-refinancing-your-mortgage
A lower interest rate is one of the main reasons homeowners in Singapore consider refinancing. Interest rates on home loans in Singapore are ...
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43 What you need to know when renting in Singapore - Pinterest
https://www.pinterest.com.au/pin/506092076866359671/
May 26, 2017 - (Photo: Pixabay) Renting a flat in Singapore? ... Refinance Mortgage, Mortgage Payoff,. homeanddecorsg. Home & Decor SG. 43k followers.
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44 How home loans work - MoneySense
https://www.moneysense.gov.sg/articles/2018/10/how-home-loans-work
Refinancing a home loan may help you save on the interest. ... Fulfilment of the Monetary Authority of Singapore's property loan rules and ...
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45 Home Loan Refinancing in 2022: Interest Rate Overview
https://blog.roshi.sg/refinance-home-loan-rate-overview-singapore/
Lowest Mortgage Rates for Refinancing (2022). Amid the low interest rates that prevailed last year, banks in Singapore tried to outdo one ...
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46 Upstart Powered Loans: Personal, Car Refinance ...
https://www.upstart.com/
Through Upstart, apply online for a fast personal loan, auto refinancing, or debt consolidation. Try our quick rate check today with no impact to your ...
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47 SoFi: Bank, Borrow, and Invest—All in One Finance App
https://www.sofi.com/
Student Loan Refinancing. See rates & flexible terms. View more. Mortgage Loans. Buy or refinance your home ... Auto Loan Refinancing.
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48 What should I do if I wish to refinance the housing loan ... - CPFB
https://www.cpf.gov.sg/member/faq/home-ownership/housing-scheme/what-should-i-do-if-i-wish-to-refinance-the-housing-loan-for-my
› faq › home-ownership › what...
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49 Refinance Home Loan to Lower Rates & Save
https://homeloanwhiz.com.sg/refinance-home-loan/
We help you save money with the cheapest interest rates in Home Loan Refinancing. ... is your place to get the best refinance home loan package in Singapore.
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50 Refinance Loan – SG #1 Motorcycle Rental | For Class 2B, 2A ...
https://vroomleasing.com.sg/refinance-loan/
Refinancing Your Motorcycle Loan. Need better options for paying off your bike purchase? At Vroom Leasing, we ease your buying needs with affordable interest ...
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51 The Guide You Need To Refinance Your Home, Car Or Other ...
https://theindependent.sg/the-guide-you-need-to-refinance-your-home-car-or-other-loans-in-singapore/
This means that if you were to refinance your loan, you would be able to take your pick from any loan bundles in Singapore, enabling you to ...
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52 Refinance home loan: Singapore homeowner's ultimate guide
https://www.instantloan.sg/refinance-home-loan/
Thinking about refinancing your mortgage? In this article, we give you all there is to know about refinancing and a run-down on some loans ...
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53 Car Loan & Refinancing in Singapore Tailored to Your Needs
https://thinkone.com.sg/financing-loan/
Why Choose Think One Credit? Trusted vehicle refinancing company with 30 years of experience in providing new and used vehicle loans. Flexible refinance and ...
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54 Refinancing Mortgage Loans Guide in Singapore (SG)
https://www.rikvincapital.com/blog/refinancing-mortgage-loans/
Refinancing mortgage loans are in rage as soon as the interest rates drop, even by a fraction. But does it really make sense for homeowners to refinance?
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55 Repricing Vs Refinancing Home Loan in Singapore
https://www.theopenhouse.sg/post/repricing-vs-refinancing-home-loan-in-singapore-what-is-the-difference
Repricing vs Refinancing Your Home Loan in Singapore. Find out what is the difference between this 2.
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56 Singapore Home Mortgages Explained - YouTube
https://www.youtube.com/watch?v=oHuJ7t7-Y30
PropertyGuru Group
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57 Refinance, Cheapest COE Car Loan Singapore, COE ...
https://coecarloan.com.sg/

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58 Why You Should Refinance Your Mortgage Loan in Singapore
https://thenewsavvy.com/countries/singapore/why-you-should-refinance-your-mortgage-loan-in-singapore/
This resulted in a dip in SIBOR, which stands for Singapore Inter Banks Offered Rate. SIBOR is the benchmark interest rates at which banks lend ...
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59 5 misconceptions that may be stopping you from refinancing ...
https://www.asiaone.com/money/5-misconceptions-may-be-stopping-you-refinancing-your-home-loan
Singapore is a nation that has a high homeownership rate of 87.9 per cent. This means almost every home in Singapore is proudly owned by a ...
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60 Mortgage Broker Singapore, Fixed Rate Refinance Home ...
https://www.mortgageconsultancy.com.sg/
Get tips from the best mortgage specialist in Singapore. Visit Mortgage Consultancy and get the best rate for home loan and refinancing. Contact us now!
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61 Ongoing development of Singapore covered bond market and ...
https://www.moodys.com/research/Moodys-Ongoing-development-of-Singapore-covered-bond-market-and-other--PR_369057
Following a review of the market, Moody's has lowered the refinancing margin it assumes when assessing Singapore covered bonds.
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62 Common costs to consider when repricing or refinancing a ...
https://www.finder.com/sg/common-costs-to-consider-when-repricing-or-refinancing-a-home-loan
What you need to know to find a home loan package with one of Singapore's leading banks. Falling interest rates: 3 considerations before ...
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63 Singapore bond market faces S$22bn refinancing bill - Reuters
https://www.reuters.com/article/singapore-debt-bonds/singapore-bond-market-faces-s22bn-refinancing-bill-idUSL4N1EE1GO
Restructuring and refinancing remain dominant themes for 2017. SINGAPORE, Dec 19 (IFR) - Singapore dollar bonds worth S$22 billion ($15.5 ...
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64 Rate-and-Term vs. Cash-Out Refinance | Citi.com - Citibank
https://www.citi.com/mortgage/rate-and-term-vs-cash-out
Also known as a traditional refinance, rate-and-term refinancing changes the rate and/or term of your existing mortgage. It pays off your original loan and ...
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65 Car Loan Refinancing in Singapore - Lendela
https://sg.lendela.com/blog/car-loan-refinancing-in-singapore-answers-to-common-questions
Did you know that it is possible to get car loan refinancing in Singapore and enjoy lower interest rates? Well, it might actually be simpler ...
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66 Refinance your Australia / New Zealand Property Loan at only ...
https://www.mortgagesupermart.com.sg/blog/23-refinance-your-australia-new-zealand-property-loan-at-only-1-76-mortgage-supermart-singapore
Refinance your Australia / New Zealand Property Loan at only 1.76%! | Mortgage Supermart Singapore. Posted by Admin on Tuesday, ...
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67 Home Loan Refinancing In Singapore 2021 - Uchify
https://uchify.com/home-loan-refinancing/
Home Loan Refinancing In Singapore 2021 – Which Has The Best Mortgage Rates? · Best Fixed Rates for HDB Bank Loan Refinancing as of 30th July ...
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68 Refinance Car Loan Singapore | Vehicle Finance Solutions
https://sweesengcredit.com/refinancing-loan/
Refinancing Loan. When you refinance to the lower rate you qualify for, you pay less monthly and overall. COE vehicles only paper value.
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69 Singapore Airlines KrisFlyer Program Overview - Forbes
https://www.forbes.com/advisor/credit-cards/travel-rewards/singapore-airlines-krisflyer/
Singapore Airlines is the flag carrier of the Republic of Singapore and member of the Star Alliance. Its loyalty program is KrisFlyer and ...
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70 Singapore LNG in $855m refinancing - Seatrade Maritime
https://www.seatrade-maritime.com/asia/singapore-lng-855m-refinancing
Singapore LNG Corp (SLNG) has refinanced SGD1.11bn ($855m) in loans with a term facility from five banks.
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71 GIC obtains A$295m green loan from DBS to refinance Chifley ...
https://www.businesstimes.com.sg/banking-finance/gic-obtains-a295m-green-loan-from-dbs-to-refinance-chifley-tower-sydney
SINGAPORE state investor GIC has obtained a A$295 million (S$284.1 million) green loan from DBS to refinance Chifley Tower Sydney in ...
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72 A Consumer's Guide to Mortgage Refinancings
https://www.federalreserve.gov/pubs/refinancings/
Why consider refinancing? · Lowering your interest rate · Adjusting the length of your mortgage · Changing from an adjustable-rate mortgage to a ...
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73 Contact Us for Home Loan Refinance in Singapore | KeyQuest ...
https://keyquestmortgage.com.sg/en/contact/
Say hello to us · 114 Lavender St, #09-56 Lift Lobby 3, Singapore 338729 · (+65) 9644 0186 · [email protected].
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74 American Express Personal Loan
https://www.americanexpress.com/us/loans/personal-loans/
› loans › personal-lo...
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75 WFW advises HCOB on US$95m seven vessel refinancing
https://www.wfw.com/press/wfw-advises-hcob-on-us95m-seven-vessel-refinancing/
HBC is a bulk vessel operator based in Hamburg and Singapore that works closely with cargo owners, ship owners, traders and brokers. The WFW ...
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76 5 Clauses you should not miss when refinancing your mortgage
https://www.iproperty.com.sg/news/5-clauses-you-should-not-miss-when-refinancing-your-mortgage/
Before diving into refinancing, there are a few important conditions ... For Agents · Singapore Property News · Buy · Finance · Loans · Sell.
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77 Refinance | Home Loan Singapore | Best Mortgage Loan Rates
https://homeloancompare.sg/refinance-loan-mortgage-refinancing/
Get expert advice on refinance. Refinancing reduces your monthly installment which will save hundreds of dollars. We will help you to select from 120 ...
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78 PwC Deals Advisory - Singapore
https://www.pwc.com/sg/en/deals.html
The leading financial due diligence practice in Singapore, ... negotiation with project stakeholders; divestment; refinancing; project and cost reviews.
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79 how-i-easily-save-14000-by-refinancing-my-home-loan
https://www.heartlandboy.com/saved-14000-refinancing-home-loan/
As a result, the borrowing costs for Singapore banks have fallen dramatically as well. Savers would have already experienced this effect since the interest ...
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80 Home loan rates are low — do you refinance or reprice? Five ...
https://www.channelnewsasia.com/cnainsider/home-loan-interest-rates-low-do-owners-refinancing-or-reprice-612826
SINGAPORE: In the midst of the financial crisis brought about by the COVID-19 pandemic, there is a silver lining for home owners.
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81 E*TRADE | Investing, Trading & Retirement
https://us.etrade.com/home
› ...
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82 Vietnam's Policy Tightening Heightens Property Sector ...
https://www.fitchratings.com/research/banks/vietnams-policy-tightening-heightens-property-sector-refinancing-risk-17-11-2022
Fitch Ratings-Singapore/Hong Kong-17 November 2022: The Vietnamese authorities' recent policy tightening has increased refinancing risks for ...
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83 Should You Refinance Your Home Loan?
https://thesimplesum.com/refinance-your-home-loan/
One of the biggest loans we'll ever take in our lifetime — provided you're settling down in Singapore for good — is a mortgage or a HDB loan ...
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84 Singapore Projects GDP Growth to Ease in 2023 Amid Global ...
https://money.usnews.com/investing/news/articles/2022-11-22/singapore-q3-gdp-grows-4-1-y-y-slower-than-first-estimated
SINGAPORE (Reuters) -Singapore on Wednesday forecast its economic growth would slow in 2023 amid persistent inflation and global pressures that ...
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85 Credit Karma: Get your free score and more
https://www.creditkarma.com/

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86 Why It's Never As Easy As “Just Refinancing” To A Cheaper ...
https://stackedhomes.com/editorial/refinancing-cheaper-home-loan/
refinancing singapore. Your eyes pop out a little when the mortgage banker shows you their rate: 1.2 per cent per annum?
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87 Login - Select Portfolio Servicing
https://www.spservicing.com/Login
› Login
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88 SG Refinance Expert | Facebook
https://www.facebook.com/SGRefinanceExpert/
SG Refinance Expert. 49 likes. Mortgage Property Refinancing Guru in Singapore, your One-Stop NEEDS!
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89 Wintrust: Welcome
https://www.wintrust.com/
Whether you're looking for guidance on buying your first home, in search of your next house, or ready for refinancing options, Wintrust Mortgage can help. Learn ...
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90 Private Homeowner Tip: What is Cash out Refinancing?
https://www.homeanddecor.com.sg/design/home-tips/private-homeowner-tip-what-is-cash-out-refinancing/
If you are a private property homeowner in Singapore, you need to pay attention because Cash out refinancing lets you borrow cash at a very ...
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91 Bank of America - Banking, Credit Cards, Loans and Merrill ...
https://www.bankofamerica.com/
Refinance. Refinance your existing mortgage and get cash out. Home equity. Tap into the value of your home to help pay for something you need.
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92 Mercedes-Benz Financial Services: Home
https://www.mbfs.com/

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93 MoneyLion: Finance App | Mobile Banking
https://www.moneylion.com/

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94 Refinancing Your Home Loan - SingaporeLegalAdvice.com
https://singaporelegaladvice.com/law-articles/refinancing-your-housing-loan
Once you decide to accept the bank's offer and refinance your ... In Singapore, many costs relating to your home can be paid for using CPF.
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95 Student Loan Refinance Rates: November 21, 2022 ... - Nasdaq
https://www.nasdaq.com/articles/student-loan-refinance-rates:-november-21-2022-loan-rates-slip
Last week, the average interest rate on refinanced student loans dropped. Yet for many borrowers, it could still be a good time to refinance ...
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96 Refinancing your home loan: Here's what you need to know
https://www.edgeprop.sg/property-news/refinancing-your-home-loan-here%E2%80%99s-what-you-need-know
Before diving into refinancing, there are a few important conditions and ... By EdgeProp Singapore / Redbrick Mortgage Advisory | April 24, ...
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97 Singapore Mortgage and Refinance - LAW.com.sg
https://law.com.sg/singapore-property-conveyancing/singapore-mortgage-refinance/
› singapore-property-conveyancing
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98 G&C Mutual Bank | It's your bank, because you own it
https://www.gcmutual.bank/
Buy my first home · Buy a home · Open a savings account · Refinance my loan · Get a personal loan · Buy a car · Apply for a card · Take off on a holiday ...
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