Pledged & Unpledged Assets

How savings and investments may raise what a bank lends you, for one borrower and one kind of asset at a time. Change any figure and the answer follows.

Pledged with the lending bank for at least 4 years.

Savings and investments$

What they are

Investments: shares, bonds, unit trusts, gold, foreign currency and structured deposits. CPF savings, property, insurance policies and crypto don’t count.

Monthly income$Salary before CPF. 0 if none.Ageyears

Housing loans still running

Sets the loan limit on a price: 75% with none, 45% with one, 35% with two or more.

Other loan repayments, a month optional$Car, personal and other loans.

Buying

Bonus, interest rate and tenure 4% · longest standard tenure

Bonus and commission, a year optional$Banks count 70% of it.Interest rate% a yearTested at 4% or this rate, whichever is higher.Loan tenureyearsBlank: the longest that ends by 65.

Check a price or a loan you want

Property price optional$Loan you want optional$