path stringlengths 51 53 | audio audioduration (s) 1.02 4.36 | sentence stringlengths 11 75 | language stringclasses 1 value | age stringclasses 1 value | gender stringclasses 1 value | accent stringclasses 1 value | local stringclasses 1 value |
|---|---|---|---|---|---|---|---|
audio_chunks/XTSexe4zuN0/XTSexe4zuN0__0:00-0:03.wav | You need to understand, is there any fees if I pay off early? | Singlish | nan | nan | nan | nan | |
audio_chunks/XTSexe4zuN0/XTSexe4zuN0__0:03-0:05.wav | How is the interest calculated? | Singlish | nan | nan | nan | nan | |
audio_chunks/XTSexe4zuN0/XTSexe4zuN0__0:10-0:12.wav | Welcome to CNA's Money Talks podcast. | Singlish | nan | nan | nan | nan | |
audio_chunks/XTSexe4zuN0/XTSexe4zuN0__0:15-0:17.wav | Now, we tend to have a lot of milestones in life. | Singlish | nan | nan | nan | nan | |
audio_chunks/XTSexe4zuN0/XTSexe4zuN0__0:18-0:21.wav | Marriage, a new home, further studies. | Singlish | nan | nan | nan | nan | |
audio_chunks/XTSexe4zuN0/XTSexe4zuN0__0:21-0:23.wav | You need funds for these. | Singlish | nan | nan | nan | nan | |
audio_chunks/XTSexe4zuN0/XTSexe4zuN0__0:23-0:27.wav | And we may not always have the money for these occasions, right? | Singlish | nan | nan | nan | nan | |
audio_chunks/XTSexe4zuN0/XTSexe4zuN0__0:27-0:29.wav | Now, we want to talk about loans | Singlish | nan | nan | nan | nan | |
audio_chunks/XTSexe4zuN0/XTSexe4zuN0__0:29-0:31.wav | because these are the things that will help you get that money. | Singlish | nan | nan | nan | nan | |
audio_chunks/XTSexe4zuN0/XTSexe4zuN0__0:31-0:33.wav | And before you take up a loan, | Singlish | nan | nan | nan | nan | |
audio_chunks/XTSexe4zuN0/XTSexe4zuN0__0:33-0:36.wav | there are quite a number of things that we need to consider. | Singlish | nan | nan | nan | nan | |
audio_chunks/XTSexe4zuN0/XTSexe4zuN0__0:36-0:41.wav | And it's overwhelming, especially if this is your first one. | Singlish | nan | nan | nan | nan | |
audio_chunks/XTSexe4zuN0/XTSexe4zuN0__0:41-0:44.wav | So let's enlist the help of our Money Talks guest today. | Singlish | nan | nan | nan | nan | |
audio_chunks/XTSexe4zuN0/XTSexe4zuN0__0:44-0:48.wav | She is Jen Ong, Head of Retail at GXS Bank. | Singlish | nan | nan | nan | nan | |
audio_chunks/XTSexe4zuN0/XTSexe4zuN0__0:48-0:49.wav | Jen, good to have you with us. | Singlish | nan | nan | nan | nan | |
audio_chunks/XTSexe4zuN0/XTSexe4zuN0__0:51-0:52.wav | We all have to take up loans, right? | Singlish | nan | nan | nan | nan | |
audio_chunks/XTSexe4zuN0/XTSexe4zuN0__0:53-0:56.wav | So what are the key items in a person's life cycle | Singlish | nan | nan | nan | nan | |
audio_chunks/XTSexe4zuN0/XTSexe4zuN0__0:56-0:59.wav | when a loan is a must-have and a nice-to-have? | Singlish | nan | nan | nan | nan | |
audio_chunks/XTSexe4zuN0/XTSexe4zuN0__1:00-1:02.wav | You started by saying that there are different milestones | Singlish | nan | nan | nan | nan | |
audio_chunks/XTSexe4zuN0/XTSexe4zuN0__1:02-1:04.wav | in someone's life. | Singlish | nan | nan | nan | nan | |
audio_chunks/XTSexe4zuN0/XTSexe4zuN0__1:04-1:08.wav | And I think one of the biggest one that we have seen is renovation, right? | Singlish | nan | nan | nan | nan | |
audio_chunks/XTSexe4zuN0/XTSexe4zuN0__1:08-1:11.wav | If you talk about marriage loan, a wedding loan, | Singlish | nan | nan | nan | nan | |
audio_chunks/XTSexe4zuN0/XTSexe4zuN0__1:11-1:12.wav | yes, you see people taking it. | Singlish | nan | nan | nan | nan | |
audio_chunks/XTSexe4zuN0/XTSexe4zuN0__1:12-1:15.wav | But most of the use cases that we see are renovation loans | Singlish | nan | nan | nan | nan | |
audio_chunks/XTSexe4zuN0/XTSexe4zuN0__1:15-1:17.wav | because renovation can get big. | Singlish | nan | nan | nan | nan | |
audio_chunks/XTSexe4zuN0/XTSexe4zuN0__1:17-1:18.wav | Now, when we think about loans, | Singlish | nan | nan | nan | nan | |
audio_chunks/XTSexe4zuN0/XTSexe4zuN0__1:19-1:21.wav | there's always this taboo about taking loans. | Singlish | nan | nan | nan | nan | |
audio_chunks/XTSexe4zuN0/XTSexe4zuN0__1:21-1:24.wav | But taking loans is sometimes you do need it. | Singlish | nan | nan | nan | nan | |
audio_chunks/XTSexe4zuN0/XTSexe4zuN0__1:24-1:25.wav | So putting the taboo aside, | Singlish | nan | nan | nan | nan | |
audio_chunks/XTSexe4zuN0/XTSexe4zuN0__1:26-1:28.wav | now you think about loans, you will think about interest rate. | Singlish | nan | nan | nan | nan | |
audio_chunks/XTSexe4zuN0/XTSexe4zuN0__1:28-1:29.wav | I think a lot of consumers out there are saying, | Singlish | nan | nan | nan | nan | |
audio_chunks/XTSexe4zuN0/XTSexe4zuN0__1:30-1:31.wav | hmm, which one gives me the best interest rate? | Singlish | nan | nan | nan | nan | |
audio_chunks/XTSexe4zuN0/XTSexe4zuN0__1:31-1:33.wav | And they make a decision based on that. | Singlish | nan | nan | nan | nan | |
audio_chunks/XTSexe4zuN0/XTSexe4zuN0__1:35-1:36.wav | But then you need to go into the nitty-gritty. | Singlish | nan | nan | nan | nan | |
audio_chunks/XTSexe4zuN0/XTSexe4zuN0__1:37-1:40.wav | is there any fees if I pay off early? | Singlish | nan | nan | nan | nan | |
audio_chunks/XTSexe4zuN0/XTSexe4zuN0__1:40-1:42.wav | How is the interest calculated? | Singlish | nan | nan | nan | nan | |
audio_chunks/XTSexe4zuN0/XTSexe4zuN0__1:42-1:43.wav | See, that's a big topic, right? | Singlish | nan | nan | nan | nan | |
audio_chunks/XTSexe4zuN0/XTSexe4zuN0__1:43-1:44.wav | How is interest calculated? | Singlish | nan | nan | nan | nan | |
audio_chunks/XTSexe4zuN0/XTSexe4zuN0__1:45-1:46.wav | Everybody will tell you interest is interest. | Singlish | nan | nan | nan | nan | |
audio_chunks/XTSexe4zuN0/XTSexe4zuN0__1:46-1:50.wav | But no, if your interest is monthly rest or daily rest, | Singlish | nan | nan | nan | nan | |
audio_chunks/XTSexe4zuN0/XTSexe4zuN0__1:50-1:52.wav | it becomes a different cost for the consumers. | Singlish | nan | nan | nan | nan | |
audio_chunks/XTSexe4zuN0/XTSexe4zuN0__1:52-1:53.wav | So what are the TNCs? | Singlish | nan | nan | nan | nan | |
audio_chunks/XTSexe4zuN0/XTSexe4zuN0__1:54-1:56.wav | So if let's say I have more money this time around, | Singlish | nan | nan | nan | nan | |
audio_chunks/XTSexe4zuN0/XTSexe4zuN0__1:56-1:58.wav | I want to pay off a little bit earlier, | Singlish | nan | nan | nan | nan | |
audio_chunks/XTSexe4zuN0/XTSexe4zuN0__2:00-2:02.wav | And if you look at what is happening in the market, | Singlish | nan | nan | nan | nan | |
audio_chunks/XTSexe4zuN0/XTSexe4zuN0__2:02-2:03.wav | there are fees like this. | Singlish | nan | nan | nan | nan | |
audio_chunks/XTSexe4zuN0/XTSexe4zuN0__2:03-2:06.wav | So fees that you will be penalized if you pay early. | Singlish | nan | nan | nan | nan | |
audio_chunks/XTSexe4zuN0/XTSexe4zuN0__2:07-2:09.wav | Then that goes against the grain of taking a loan | Singlish | nan | nan | nan | nan | |
audio_chunks/XTSexe4zuN0/XTSexe4zuN0__2:10-2:11.wav | Because if you have money to pay off a loan, | Singlish | nan | nan | nan | nan | |
audio_chunks/XTSexe4zuN0/XTSexe4zuN0__2:11-2:13.wav | you want to pay off a loan without penalty. | Singlish | nan | nan | nan | nan | |
audio_chunks/XTSexe4zuN0/XTSexe4zuN0__2:13-2:15.wav | So that's why you have to check the TNCs, | Singlish | nan | nan | nan | nan | |
audio_chunks/XTSexe4zuN0/XTSexe4zuN0__2:15-2:16.wav | know what you're getting into. | Singlish | nan | nan | nan | nan | |
audio_chunks/XTSexe4zuN0/XTSexe4zuN0__2:17-2:19.wav | And we will get into the nitty gritty, | Singlish | nan | nan | nan | nan | |
audio_chunks/XTSexe4zuN0/XTSexe4zuN0__2:19-2:22.wav | but just want to tackle the philosophical side of things first. | Singlish | nan | nan | nan | nan | |
audio_chunks/XTSexe4zuN0/XTSexe4zuN0__2:23-2:27.wav | How do I know what's a reasonable expense to take up a loan for? | Singlish | nan | nan | nan | nan | |
audio_chunks/XTSexe4zuN0/XTSexe4zuN0__2:27-2:29.wav | So you mentioned things like wedding loans, | Singlish | nan | nan | nan | nan | |
audio_chunks/XTSexe4zuN0/XTSexe4zuN0__2:30-2:31.wav | These are the more common ones. | Singlish | nan | nan | nan | nan | |
audio_chunks/XTSexe4zuN0/XTSexe4zuN0__2:31-2:35.wav | When do I know that taking a loan is a good versus a bad idea? | Singlish | nan | nan | nan | nan | |
audio_chunks/XTSexe4zuN0/XTSexe4zuN0__2:36-2:38.wav | Think about the opportunity cost then, right? | Singlish | nan | nan | nan | nan | |
audio_chunks/XTSexe4zuN0/XTSexe4zuN0__2:38-2:41.wav | I'll give you an example, broken kitchen sink. | Singlish | nan | nan | nan | nan | |
audio_chunks/XTSexe4zuN0/XTSexe4zuN0__2:42-2:43.wav | Now, are you saying that, | Singlish | nan | nan | nan | nan | |
audio_chunks/XTSexe4zuN0/XTSexe4zuN0__2:44-2:45.wav | oh, I don't have the money, I don't have the means, | Singlish | nan | nan | nan | nan | |
audio_chunks/XTSexe4zuN0/XTSexe4zuN0__2:45-2:47.wav | therefore I'm going to live with a broken sink? | Singlish | nan | nan | nan | nan | |
audio_chunks/XTSexe4zuN0/XTSexe4zuN0__2:47-2:49.wav | So you have to take a loan | Singlish | nan | nan | nan | nan | |
audio_chunks/XTSexe4zuN0/XTSexe4zuN0__2:49-2:52.wav | because the other alternative is just not possible. | Singlish | nan | nan | nan | nan | |
audio_chunks/XTSexe4zuN0/XTSexe4zuN0__2:52-2:54.wav | So there are areas that you have to think about | Singlish | nan | nan | nan | nan | |
audio_chunks/XTSexe4zuN0/XTSexe4zuN0__2:54-2:56.wav | when is a good time to take a loan. | Singlish | nan | nan | nan | nan | |
audio_chunks/XTSexe4zuN0/XTSexe4zuN0__2:58-3:00.wav | on the surface sounds like a taboo, | Singlish | nan | nan | nan | nan | |
audio_chunks/XTSexe4zuN0/XTSexe4zuN0__3:03-3:04.wav | Everybody takes a housing loan. | Singlish | nan | nan | nan | nan | |
audio_chunks/XTSexe4zuN0/XTSexe4zuN0__3:06-3:07.wav | So housing loan is there. | Singlish | nan | nan | nan | nan | |
audio_chunks/XTSexe4zuN0/XTSexe4zuN0__3:09-3:11.wav | So these are all utilitarian needs that you have | Singlish | nan | nan | nan | nan | |
audio_chunks/XTSexe4zuN0/XTSexe4zuN0__3:11-3:12.wav | and then you need to take a loan. | Singlish | nan | nan | nan | nan | |
audio_chunks/XTSexe4zuN0/XTSexe4zuN0__3:15-3:18.wav | be careful what is the cost of servicing the loan. | Singlish | nan | nan | nan | nan | |
audio_chunks/XTSexe4zuN0/XTSexe4zuN0__3:18-3:19.wav | That's where you need to remember. | Singlish | nan | nan | nan | nan | |
audio_chunks/XTSexe4zuN0/XTSexe4zuN0__3:20-3:22.wav | Taking a loan is something that you have to do. | Singlish | nan | nan | nan | nan | |
audio_chunks/XTSexe4zuN0/XTSexe4zuN0__3:23-3:24.wav | Then make sure that you can afford it. | Singlish | nan | nan | nan | nan | |
audio_chunks/XTSexe4zuN0/XTSexe4zuN0__3:24-3:26.wav | One of the biggest things to think about | Singlish | nan | nan | nan | nan | |
audio_chunks/XTSexe4zuN0/XTSexe4zuN0__3:27-3:28.wav | is the ability to pay back. | Singlish | nan | nan | nan | nan | |
audio_chunks/XTSexe4zuN0/XTSexe4zuN0__3:29-3:31.wav | So I can take a loan and don't pay back | Singlish | nan | nan | nan | nan | |
audio_chunks/XTSexe4zuN0/XTSexe4zuN0__3:33-3:35.wav | and stretch it too short. | Singlish | nan | nan | nan | nan | |
audio_chunks/XTSexe4zuN0/XTSexe4zuN0__3:35-3:37.wav | I will not have the ability to pay back | Singlish | nan | nan | nan | nan | |
audio_chunks/XTSexe4zuN0/XTSexe4zuN0__3:37-3:38.wav | because my disposable income | Singlish | nan | nan | nan | nan | |
audio_chunks/XTSexe4zuN0/XTSexe4zuN0__3:38-3:40.wav | cannot meet that monthly repayment. | Singlish | nan | nan | nan | nan | |
audio_chunks/XTSexe4zuN0/XTSexe4zuN0__3:41-3:43.wav | So you have to calculate your income. | Singlish | nan | nan | nan | nan | |
audio_chunks/XTSexe4zuN0/XTSexe4zuN0__3:44-3:45.wav | You need to calculate what is available | Singlish | nan | nan | nan | nan | |
audio_chunks/XTSexe4zuN0/XTSexe4zuN0__3:45-3:49.wav | after you put aside for all the necessities. | Singlish | nan | nan | nan | nan | |
audio_chunks/XTSexe4zuN0/XTSexe4zuN0__3:49-3:51.wav | Then check out what is a repayment capability. | Singlish | nan | nan | nan | nan | |
audio_chunks/XTSexe4zuN0/XTSexe4zuN0__3:52-3:53.wav | If you want to pay off in 12 months, | Singlish | nan | nan | nan | nan | |
audio_chunks/XTSexe4zuN0/XTSexe4zuN0__3:54-3:56.wav | you may have to stretch it a little bit more | Singlish | nan | nan | nan | nan | |
audio_chunks/XTSexe4zuN0/XTSexe4zuN0__3:57-3:59.wav | but then it makes your monthly servicing | Singlish | nan | nan | nan | nan | |
audio_chunks/XTSexe4zuN0/XTSexe4zuN0__3:59-4:00.wav | a little bit more sustainable. | Singlish | nan | nan | nan | nan | |
audio_chunks/XTSexe4zuN0/XTSexe4zuN0__4:01-4:03.wav | Now, when I'm shopping around for a loan, | Singlish | nan | nan | nan | nan | |
audio_chunks/XTSexe4zuN0/XTSexe4zuN0__4:03-4:05.wav | how do I make comparisons? | Singlish | nan | nan | nan | nan | |
audio_chunks/XTSexe4zuN0/XTSexe4zuN0__4:05-4:07.wav | What are the top three things, say, | Singlish | nan | nan | nan | nan | |
audio_chunks/XTSexe4zuN0/XTSexe4zuN0__4:07-4:09.wav | that I need to compare | Singlish | nan | nan | nan | nan | |
audio_chunks/XTSexe4zuN0/XTSexe4zuN0__4:09-4:11.wav | what's the best kind of loan | Singlish | nan | nan | nan | nan | |
audio_chunks/XTSexe4zuN0/XTSexe4zuN0__4:13-4:14.wav | So the first thing you want to look at | Singlish | nan | nan | nan | nan | |
audio_chunks/XTSexe4zuN0/XTSexe4zuN0__4:16-4:17.wav | Now, when we talk about interest rate, | Singlish | nan | nan | nan | nan | |
audio_chunks/XTSexe4zuN0/XTSexe4zuN0__4:18-4:20.wav | you need to know whether it is, | Singlish | nan | nan | nan | nan | |
audio_chunks/XTSexe4zuN0/XTSexe4zuN0__4:21-4:23.wav | a monthly res or a daily res. | Singlish | nan | nan | nan | nan |
End of preview. Expand
in Data Studio
README.md exists but content is empty.
- Downloads last month
- 6