Cortisol: Stress Hormone. Cortisol is a glucocorticoid hormone synthesized from cholesterol by enzymes of the cytochrome P450 family in the zona fasciculata, the middle area of the adrenal cortex (9). Regulated via the HPA axis, cortisol is the primary hormone responsible for the stress response.
A bank makes a personal loan based on your credit and financial ability to repay the debt. Because you don't put up any collateral, such as a house or car, for a personal loan, it's considered an unsecured debt.ou must pay the bank principal and interest each month until you pay off the personal loan. Interest rates for personal loans are typically much higher than home loan rates, plus, the additional monthly payment reduces your mortgage borrowing power, increasing your debt-to-income ratio.
1. Can I get a loan from HDB to buy an Executive Condominium (EC) unit?The government or HDB does not grant any loan for the buying of EC units. EC buyers will have to arrange for their own mortgage financing through banks or financial institutions.. I am an ex-owner of an Executive Condominium unit bought from the developer and have taken the CPF Housing Grant for the purchase. Do I have to pay a resale levy when I subsequently buy a flat direct from HDB?Yes, you need to pay a resale levy of $55,000 if you subsequently buy a flat direct from the HDB.