Pledging And Unpledging

Certain individuals may not qualify for home loans even if they have high amounts of money in the bank, due to TDSR which ties loan repayments directly to monthly income.

In order to be eligible, an option is to pledge assets to increase income. Examples of pledged assets include Singapore dollar deposits, stocks, bonds, and gold. To utilize this pledging strategy, buyers need to have a substantial amount of savings and financial assets.

Another important factor is that assets that are pledged for at least 4 years are taken at 100% of their value.

For assets pledged for less than 4 years, only 70% of their value will be calculated.

This means that the pledging strategy needs to be structured meticulously, so as to avoid undercutting your assets’ value and to obtain maximum gains to finance your property.

If you’re keen to explore this property financing strategy, fill in your details below and I’ll contact you to explain in greater detail.


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