Disclaimer

This is to inform that by clicking on the hyperlink, you will be leaving sc.com/sg and entering a website operated by other parties.

Such links are only provided on our website for the convenience of the Client and Standard Chartered Bank does not control or endorse such websites, and is not responsible for their contents.

The use of such website is also subject to the terms of use and other terms and guidelines, if any, contained within each such website. In the event that any of the terms contained herein conflict with the terms of use or other terms and guidelines contained within any such website, then the terms of use and other terms and guidelines for such website shall prevail.

Thank you for visiting www.sc.com/sg


Proceed

How can we help you today?

Open an Account

Apply for a Credit Card

Take up a Loan

Grow my Wealth

Sign-up for Insurance

What kind of loan are you looking for?

CashOne Personal Loan

Debt Consolidation Plan

Credit Card Funds Transfer
Secured Wealth
  1. Wealth Management
  2. Investment
  3. Wealth Lending

Secured overdraft facility for greater financial flexibility

Wealth Lending

What is Wealth Lending?

  • Achieve financial freedom with our Wealth Lending Overdraft facility. You can now save for your new home, retirement, kid’s education or simply grow your portfolio for greater passive income even faster.
  • Wealth Lending is a facility secured by eligible collateral across a wide range of asset classes and markets.
  • Wealth Lending can help fund your latest investment strategy, insurance policy or allow you to retain liquidity for opportunistic investments.
 

Features of Wealth Lending

  • Maximize your liquidity by unlocking the value of your existing assets instead of selling existing investments
  • A wide range of assets held with the Bank may be used as collateral
  • Available in major currencies to hedge against foreign currency exposure
  • No restriction on the use of the Facility for financing investment opportunities or increasing personal liquidity
  • Ability to convert the facility between any available currencies to optimise interest costs and hedge against market volatility*
  • Pay off utilised amounts from the facility partially or in full at any time, with no penalties.
  • Interest rates are charged only on the amount that you have utilised
*Applicable to clients who fulfil certain criteria

How does it work?

Click the videos below or refer to our Wealth Lending Brochure for more details/ examples.

Introduction to Wealth Lending

to achieve your financial goals

Market Risk

Depending on market conditions, the value of your collateral(s) may fall. You may then be required to provide additional collateral or repay your outstanding facility at short notice.

Leverage Risk

While Wealth Lending can amplify potential investment earnings, it can also magnify potential losses. You could even sustain losses that exceed the value of your original investment amount and the value of your collateral(s).

Foreign Exchange Risk

If your facility is taken in a currency different from that of your collateral, you may be exposed to additional foreign exchange risks. Should exchange rates move against you, the repayment amount outstanding under your facility may increase.

Change in Loan to Value (LTV) Ratio

LTV ratios are subject to periodic review and may change within a short period of time. A reduction in LTV ratio may result in your collateral value being inadequate to support your outstanding loan.

Interest Rate Risk

The interest rate of your credit facility may be prone to fluctuation. An increased interest rate will result in higher repayment amount and reduce your investment returns.

Regulatory Risk

A regulatory body may take action that has the effect of curtailing or placing restrictions on the Bank’s ability to trade with respect to open positions or lend against investments or life insurance policies. You may consequently be required to close, reduce or rebalance your pledged portfolio with the Bank.

To find out more about risks of Wealth Lending, please watch the video.

The above risks are not exhaustive nor mutually exclusive. Combination of the risks may result in an amplified loss.

If your investment portfolio or insurance policies collateral value falls below your outstanding loan amount, you may face a margin call. You may then be required, at short notice, to provide additional eligible collateral(s) (which may be of substantial value) or repay part or all of your outstanding loan amount.

If you fail to do so, the Bank reserves the right to liquidate your collateral(s), potentially at a loss, to repay any amount outstanding.

However, you could balance the risks and returns of your portfolio to better manage the likelihood of margin trigger events, such as shortfalls, top‑ups or sell‑downs, by:

  • • Limiting the use of your facility to ensure that you do not commit yourself to investments beyond your means.

  • • Maintaining a stable income stream, independent of the collateral, to meet any margin triggers at short notice.

  • • Diversifying your investment portfolio.

  • • Servicing your interest charges regularly.

Please watch our video to learn about the various severity levels of Margin Call.

  • Please click here for more information on cost of funds.
  • Please click here for more information on risk-free rates

A loan currency switch* allows you to convert the currency of an existing loan into another currency. Eligible currencies include major currencies such as USD, SGD, CHF, EUR and JPY.
Benefits of Loan Currency Switch
  • Potential savings in accrued interest resulting from favourable interest rate movements
  • Potential capital savings from a reduction in loan amount arising from exchange rate movements
Risks of Loan Currency Switch
  • Increase in accrued interest amount due to interest rate hike
  • Increase in loan amount due to adverse movements in exchange rate

Watch this video to learn more about it.

For English version, click here
For Mandarin version, click here

*Applicable to clients who fulfil certain criteria

This website is being distributed in Singapore by, and is attributable to, Standard Chartered Bank (Singapore) Limited (“SCBSL”). Recipients in Singapore should contact SCBSL in relation to any matters arising from, or in connection with, this website. SCBSL is an indirect wholly-owned subsidiary of Standard Chartered Bank and is licensed to conduct banking business in Singapore under the Singapore Banking Act 1970.

This website is being distributed for general information only and it does not constitute an offer, recommendation or solicitation of an offer to enter into a transaction or adopt any hedging, trading or investment strategy, nor does it constitute any prediction of likely future movements in rates or prices or any representation that any such future movements will not exceed those shown in any illustration.

It has not been prepared for any particular person or class of persons and does not constitute and should not be constituted as an investment advice or an investment recommendation. It has been prepared without regards to the specific investment objectives, financial situation or particular needs of any person. You should seek advice from a licensed or an exempt financial adviser on the suitability of the product for you, taking into account these factors before making a commitment to purchase any product or invest in any investment. In the event that you choose not to seek advice from a licensed or an exempt financial adviser, you should carefully consider whether this product or service described herein is suitable for you.

You are fully responsible for your investment decision, including whether the product or service described here is suitable for you.

The products / services involved are not principal-protected and you may lose all or part of your original investment amount.

SCBSL will not accept any responsibility or liability of any kind, with respect to the accuracy or completeness of the information in this website. This document is for general evaluation only and has not been prepared to be suitable for any particular person or class of persons. SCBSL makes no representation or warranty of any kind, express, implied or statutory regarding this document or any information contained or referred to on the document. This document is distributed on the express understanding that, whilst the information in it is believed to be reliable, it has not been independently verified by us.

Deposit Insurance Scheme:

Singapore dollar deposits of non-bank depositors are insured by the Singapore Deposit Insurance Corporation, for up to S$100,000 in aggregate per depositor per Scheme member by law. For clarity, these investment products are not deposits and do not qualify as an insured deposit under the Singapore Deposit Insurance and Policy Owners’ Protection Schemes Act 2011. Foreign currency deposits, dual currency investments, structured deposits and other investment products are not insured.

This advertisement has not been reviewed by the Monetary Authority of Singapore.

Call Us

Call our hotline for further information.

1800 747 7000
Locate Us

Visit the branch that is nearest to you

Find a Branch
BACK TO TOP