Multi-Currency Revolving Term Loan

DBS Treasures Investment Financing

Grow your portfolio, enjoy financial flexibility, increase liquidity for your personal needs.

DBS Treasures Investment Financing

 

At a Glance

Investment 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 Financing

Scenario 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.

 

Apply now

You will need to have a DBS Wealth Management Account and apply for an MRTL loan facility.

Contact me

To apply for an MRTL facility.

Disclaimer for Investment Products.

Credit Facilities Terms and Conditions apply.

 

How to Invest

Invest now To draw down loan on DBS digibank if you already have an MRTL facility.

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Investing

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