Understanding Loans & Credit (Workshop) Survey

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* 1. Booking ID (please fill in the number provided by your trainer)

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* 2. Your Gender:

Male

Female

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* 3. Your Race :

Chinese

Malay

Indian

Other (please specify)

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* 4. Your Citizenship:

Singapore Citizen

Singapore Permanent Resident

Other (please specify)

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* 5. Your Age Range:

20 years and under

21 to 30 years

31 to 40 years

41 to 50 years

51 to 60 years

61 years and above

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* 6. Your Current Family Status:

Single with no dependants

Single with dependants

Married with no dependants

Married with dependants

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* 7. Your Highest Level of Education:

PSLE (Primary School)

"N' Level / "O" Level / ITE Certification

"A" Level / Diploma

Bachelor Degree

Postgraduate Degree

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* 8. Your Annual Household Income Range (Before Taxes):

$24,000 and below

Between $24,001 and $30,000

Between $30,001 and $60,000

Between $60,001 and $90,000

Between $90,001 and $120,000

Between $120,001 and above

	Do Not Know	True	False
With monthly rest, interest is calculated based on the outstanding balance of the loan.	With monthly rest, interest is calculated based on the outstanding balance of the loan. Do Not Know	With monthly rest, interest is calculated based on the outstanding balance of the loan. True	With monthly rest, interest is calculated based on the outstanding balance of the loan. False
When I make new purchases with my credit card, interest will be charged immediately on these purchases if there is an outstanding balance on my credit card.	When I make new purchases with my credit card, interest will be charged immediately on these purchases if there is an outstanding balance on my credit card. Do Not Know	When I make new purchases with my credit card, interest will be charged immediately on these purchases if there is an outstanding balance on my credit card. True	When I make new purchases with my credit card, interest will be charged immediately on these purchases if there is an outstanding balance on my credit card. False
The recommended Mortgage Servicing Ratio is 30% of my gross monthly income or less.	The recommended Mortgage Servicing Ratio is 30% of my gross monthly income or less. Do Not Know	The recommended Mortgage Servicing Ratio is 30% of my gross monthly income or less. True	The recommended Mortgage Servicing Ratio is 30% of my gross monthly income or less. False
The interest rates for secured loans tend to be higher than that for unsecured loans.	The interest rates for secured loans tend to be higher than that for unsecured loans. Do Not Know	The interest rates for secured loans tend to be higher than that for unsecured loans. True	The interest rates for secured loans tend to be higher than that for unsecured loans. False
I am considered a bankrupt when I am put on the Debt Repayment Scheme (DRS).	I am considered a bankrupt when I am put on the Debt Repayment Scheme (DRS). Do Not Know	I am considered a bankrupt when I am put on the Debt Repayment Scheme (DRS). True	I am considered a bankrupt when I am put on the Debt Repayment Scheme (DRS). False

Do Not Know

True

False

With monthly rest, interest is calculated based on the outstanding balance of the loan.

With monthly rest, interest is calculated based on the outstanding balance of the loan. Do Not Know

With monthly rest, interest is calculated based on the outstanding balance of the loan. True

With monthly rest, interest is calculated based on the outstanding balance of the loan. False

When I make new purchases with my credit card, interest will be charged immediately on these purchases if there is an outstanding balance on my credit card.

When I make new purchases with my credit card, interest will be charged immediately on these purchases if there is an outstanding balance on my credit card. Do Not Know

When I make new purchases with my credit card, interest will be charged immediately on these purchases if there is an outstanding balance on my credit card. True

When I make new purchases with my credit card, interest will be charged immediately on these purchases if there is an outstanding balance on my credit card. False

The recommended Mortgage Servicing Ratio is 30% of my gross monthly income or less.

The recommended Mortgage Servicing Ratio is 30% of my gross monthly income or less. Do Not Know

The recommended Mortgage Servicing Ratio is 30% of my gross monthly income or less. True

The recommended Mortgage Servicing Ratio is 30% of my gross monthly income or less. False

The interest rates for secured loans tend to be higher than that for unsecured loans.

The interest rates for secured loans tend to be higher than that for unsecured loans. Do Not Know

The interest rates for secured loans tend to be higher than that for unsecured loans. True

The interest rates for secured loans tend to be higher than that for unsecured loans. False

I am considered a bankrupt when I am put on the Debt Repayment Scheme (DRS).

I am considered a bankrupt when I am put on the Debt Repayment Scheme (DRS). Do Not Know

I am considered a bankrupt when I am put on the Debt Repayment Scheme (DRS). True

I am considered a bankrupt when I am put on the Debt Repayment Scheme (DRS). False

	Not Confident	A Little Confident	Confident	Very Confident
Pick a suitable loan when necessary, knowing its features and costs involved.	Pick a suitable loan when necessary, knowing its features and costs involved. Not Confident	Pick a suitable loan when necessary, knowing its features and costs involved. A Little Confident	Pick a suitable loan when necessary, knowing its features and costs involved. Confident	Pick a suitable loan when necessary, knowing its features and costs involved. Very Confident
Calculate the amount of debt I can afford.	Calculate the amount of debt I can afford. Not Confident	Calculate the amount of debt I can afford. A Little Confident	Calculate the amount of debt I can afford. Confident	Calculate the amount of debt I can afford. Very Confident
Take into consideration the Effective Interest Rate when evaluating instalment plans.	Take into consideration the Effective Interest Rate when evaluating instalment plans. Not Confident	Take into consideration the Effective Interest Rate when evaluating instalment plans. A Little Confident	Take into consideration the Effective Interest Rate when evaluating instalment plans. Confident	Take into consideration the Effective Interest Rate when evaluating instalment plans. Very Confident
Know what to do when I have problem debt.	Know what to do when I have problem debt. Not Confident	Know what to do when I have problem debt. A Little Confident	Know what to do when I have problem debt. Confident	Know what to do when I have problem debt. Very Confident
Borrow with care so that I do not end up as a bankrupt.	Borrow with care so that I do not end up as a bankrupt. Not Confident	Borrow with care so that I do not end up as a bankrupt. A Little Confident	Borrow with care so that I do not end up as a bankrupt. Confident	Borrow with care so that I do not end up as a bankrupt. Very Confident

Not Confident

A Little Confident

Confident

Very Confident

Pick a suitable loan when necessary, knowing its features and costs involved.

Pick a suitable loan when necessary, knowing its features and costs involved. Not Confident

Pick a suitable loan when necessary, knowing its features and costs involved. A Little Confident

Pick a suitable loan when necessary, knowing its features and costs involved. Confident

Pick a suitable loan when necessary, knowing its features and costs involved. Very Confident

Calculate the amount of debt I can afford.

Calculate the amount of debt I can afford. Not Confident

Calculate the amount of debt I can afford. A Little Confident

Calculate the amount of debt I can afford. Confident

Calculate the amount of debt I can afford. Very Confident

Take into consideration the Effective Interest Rate when evaluating instalment plans.

Take into consideration the Effective Interest Rate when evaluating instalment plans. Not Confident

Take into consideration the Effective Interest Rate when evaluating instalment plans. A Little Confident

Take into consideration the Effective Interest Rate when evaluating instalment plans. Confident

Take into consideration the Effective Interest Rate when evaluating instalment plans. Very Confident

Know what to do when I have problem debt.

Know what to do when I have problem debt. Not Confident

Know what to do when I have problem debt. A Little Confident

Know what to do when I have problem debt. Confident

Know what to do when I have problem debt. Very Confident

Borrow with care so that I do not end up as a bankrupt.

Borrow with care so that I do not end up as a bankrupt. Not Confident

Borrow with care so that I do not end up as a bankrupt. A Little Confident

Borrow with care so that I do not end up as a bankrupt. Confident

Borrow with care so that I do not end up as a bankrupt. Very Confident

Understanding Loans & Credit (Workshop)

Best viewed in "Horizontal (Landscape)" mode.

Question Title

* 1. Booking ID (please fill in the number provided by your trainer)

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* 2. Your Gender:

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* 3. Your Race :

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* 4. Your Citizenship:

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* 5. Your Age Range:

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* 6. Your Current Family Status:

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* 7. Your Highest Level of Education:

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* 8. Your Annual Household Income Range (Before Taxes):

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* 9. Please CLICK your response to each the following statements:

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* 10. How CONFIDENT are you to do each of the following?