Portfolio Financing |Multi-Currency Revolving Term Loan| DBS Treasures

DBS Treasures Investment Financing

At a GlanceInvestment Financing is specially brought to DBS Treasures clients and is supported by a Multi-currency Revolving Term Loan (MRTL) facility. With this facility, you can use your existing investment portfolio as collateral for a loan drawdown to settle further investment purchases, or to meet short-term liquidity needs.

Acceptance of a wide range of collaterals

Multiply the potential of your existing investments

Great flexibility across 10 major currencies*

Convenient loan drawdown on digibank, in any number of loans

Great cost savings with attractive interest rates

Flexible loan tenure and pay interest only on utilised amount

How to Benefit from Investment FinancingScenario 1: Meeting short-term liquidity needs

You set aside some cash for short-term liquidity needs. However, keeping cash in a low interest rate environment may reduce overall portfolio returns. With an MRTL facility, you can invest the cash and use your existing portfolio as collateral for a loan drawdown when a short-term liquidity need arises. This way, you do not lose the opportunity of gaining potentially higher returns.Scenario 2: Capitalising on investment opportunities

You have a fully-invested portfolio but want to capitalise on an attractive investment opportunity. A money transfer from another financial institution may not be in time. With an MRTL facility, you can have ready credit to immediately draw down cash to act on investment opportunities.

How Investment Financing Works

Fuss-free application

Available to clients with appropriate investment risk profile and S$500,000 in assets under management
Acceptable collateral include cash, fixed deposits, currency linked investments (CLI), equities, bonds, unit trusts and selective structured products
Relationship Manager will advise on applicable loan interest rate

Flexible utilisation

Up to SGD2million total credit limit^
Drawdown at any time, in any number of loans^#, and in your currency choice^*
Flexible loan tenure from one week to one year for each loan drawdown
Minimum online drawdown of S$25,000 or equivalent

Collateral monitoring

Ensure adequate collateral at all times
Collateral value must always be more than or equal to the drawdown amount
Collateral shortfall must be rectified within the stipulated period by either increasing collateral value or reducing the loan amount

Repayment options

Full repayment
Rollover
Combination of both

^Subject to sufficient assets under management determined by the Bank from time to time*10 currencies are Singapore Dollar, United States Dollar, Euro, British Pound, Japanese Yen, Swiss Franc, Australian Dollar, New Zealand Dollar, Canadian Dollar and Hong Kong Dollar.^#As long as aggregate loan outstanding amount is within the facility limit and supported by adequate collateral.