Loans for Plastic Surgery In Singapore

There’s no denying it; we all want to look and feel good in our own skin. This can go from buying clothes that will flatter our body types to putting on make-up. For some, plastic surgery may be the way to go and there is no shame about that. There used to be a stigma around getting cosmetic surgery but it is slowly disappearing over the years. Originating from South Korea, many book flights there just to get the top plastic surgeons and receive amazing treatments. There is a rising trend of younger women opting for cosmetic surgery, with some Korean parents even giving it as a birthday gift to their children. If you are thinking of getting surgeries yourself, definitely read on to find out more about the types of surgeries and how you can easily fund them in Singapore.

Getting Plastic Surgery Is No Longer a Taboo

It used to be a shameful thing to do when it comes to artificially altering your appearance but the good news is that, over the years, people’s mindsets have changed and getting cosmetic surgeries is no longer a taboo subject. Gone are the days where you have to hide it behind closed doors and not let anyone know. More and more people are becoming increasingly open about getting plastic surgery; to the extent of sharing their experience with their world. In a relatively conservative society like Singapore, plastic surgery used to be shunned upon but thanks to various influencers like Wendy Cheng (Xiaxue) and Bong Qiu Qiu who openly share about their surgeries on the internet, Singaporeans are now more accepting of this trend. 

For example, Xiaxue filmed her entire double eyelid and Alarplasty surgery; posting it on Youtube which received tons of views and likes. On the other hand, Bong Qiu Qiu admitted to having 10 cosmetic surgeries done and has even shared her post-surgery experiences on Instagram for all her followers to see. Both influencers talked about how they felt more confident and victorious after having their appearance changed. They may be the more known influencers who make their plastic surgery experiences open to the public but there are certainly many more celebrities and influencers in Singapore who are just as open to sharing; thus changing the mindsets of many others and even encouraging Singaporeans who are considering getting plastic surgery to go for it. 

Funding Plastic Surgery In Singapore

A person’s appearance is more important than we’d like to admit; we form first impressions based on someone’s looks and even judge their personality and character, albeit unknowingly or otherwise. Improving aspects of your appearance with plastic surgery can alter the way people view you and possibly give you that confidence boost to pursue more opportunities in life; be it in work or love. Getting plastic surgery in Singapore is more often than not, not a popular option as people would much prefer jetting to Thailand, Taiwan, and South Korea. This is because these countries are better known for their lower prices and esteemed expertise. Regardless of wherever you decide to get your surgeries, they will burn a big hole in your pocket. It is always best to get highly skilled surgery teams working on something as important as your appearance and they can definitely cost a bomb. Some costs that you should take in mind include anesthesia, actual procedure costs, hospital fees, and doctor’s fees. Nonetheless, you should not fork out all your savings for this; instead, getting a loan can cushion your expenditures so that your savings account does not take a drastic hit. Even if you can fully afford to pay for your surgery, taking out a loan may not be a bad thing as it will give you more freedom and time to earn back your cash.

Common Plastic Surgery Procedures In Singapore

1. Liposuction

Costing between $15,000 to $20,000, liposuction is for those who want a slim figure but can’t seem to get rid of fats in some areas of their body despite exercising and dieting. A liposuction surgery works to take away the fatty cells in areas like your arms or tummy. It is also a method to lose weight for many. 

2. Rhinoplasty (nose job)

There are two ways to go about getting a Rhinoplasty; an open approach involves making a cut between or under your nose while a closed approach involves making a cut inside the nostrils which will lower the risk of getting post-surgery scars. It costs between $6,000 and $15,000 and is for people who want a thinner or higher nose. It is also for those who have a flat, crooked or wide nose. 

3. Breast Augmentation

More commonly known as a boob job, you can increase your breast size by getting silicone implants or opting to have fats from other parts of your body surgically placed into your breasts. You can significantly change the size and shape of your breasts if that is one area that you aren’t confident about. This surgery can cost anywhere between $15,000 and $18,000.

4. Blepharoplasty (double eyelid surgery)

Possibly the number one surgery that Singaporean girls go for, Blepharoplasty can help you get double eyelids in no time. The surgery is relatively simple if you opt for non-incisional stitching which takes a maximum of two weeks to recover. Some might go for the other option where a doctor will make a cut on your eyelids to make permanent lines but recovery will last from two to four weeks. Costing $3,000 to $6,500, you can say goodbye to your mono-lids or less obvious double eyelids with this procedure.

Factors To Keep In Mind When Applying For A Loan

1. Your Credit Score

A credit score is a number that reflects the chances of you paying the loan back. If you have a good credit score, securing a loan will be easier as you can get a lower interest rate, possible fee waivers, and cashbacks. Not only can you loan a larger sum of money, but it will also cost you much less. 

2. The Interest Rates and Charges

Getting a loan can be tricky if you ignore the fine print. Besides sourcing for loans with the lowest interest rates, there is also the issue of miscellaneous charges and hidden terms and conditions that can affect the total cost of your loan. 

3. Total Debt Service Ratio

There is a limit to the amount of money you can loan. The Monetary Authority of Singapore imposed a rule whereby people cannot procure a loan exceeding 60% of their gross monthly income. As such, you will need to calculate your current personal loans, home loans as well as other credits before deciding how much you can loan for your surgery.

4. Tenure

Tenures vary from person to person so consult and discuss with your lender before deciding on a tenure that will suit you best. Some factors to consider are your ability to make payments as well as the amount you can pay each time. 

 Figuring out how to fund your plastic surgery is a crucial step before you make a doctor’s appointment but it is surely not the number one factor that will stop you from getting surgery. Research on loan options and you will be good to go on achieving your dreams and becoming a better version of yourself. 

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