Finance · Tool 22

Asset pledge capacity

Shows the possible income-equivalent uplift against the liquidity locked for four years.

Decision questionIs the borrowing uplift worth immobilising the asset?

Rules reviewed10 Aug 2026MAS / MoneySense basis

02 · Primary answerPasses entered checks

Illustrative loan uplift

S$520,994The pledged asset is annuitised over 48 months as an income-equivalent planning input, then passed through TDSR.

Loan before pledgeS$1,079,879

Loan after pledgeS$1,600,873

Liquidity lockedS$240,000

Decision shaperelative scale

Loan before

S$1,079,879

Loan after

S$1,600,873

Pledge locked

S$240,000

NAVARO read

Every $1 pledged produces about $2.17 of illustrative loan uplift under these inputs.

03 · Calculation trail

See the number being built.

The line items use the same engine as the primary answer. Negative rows are deductions, not hidden adjustments.

01Pledge monthly equivalentS$5,000

02TDSR payment upliftS$2,750

03Loan upliftS$520,994

04Assets pledgedS$240,000

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