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Hi,

I would be most glad to assist you further and pls feel free to let me know if you need any assistance. Have a good day ahead. By the way, perhaps I could get a mortgage broker to liaise with you further?

Regards
Aaron Chong
 9730 8455 
aaronchong2774@yahoo.com.sg Read More

Hi Sir/Mdm,

The amount you pledge will be able to enjoy an interests based on the rates that the bank is offering. You may use the interests to offset some of the interests on the mortgage loan.

Please feel free to contact me so that I can understand your concerns and assist you further!

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Nick Tan
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Selling our house was a pretty stressful ordeal, as we have already committed to buying our new home and hence have a timeline to meet. Losing a substantial deposit and worse still, not getting our dream home caused many sleepless nights as we are nearing our deadline. I am very glad we have decided to switch to Nick and seek his help after the dismal performance of our first agent. Not only is Nick very patient in explaining things to us, time and time again he gives us reassurance to allay our worries. And he walked his talk.
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Judy Read More

You can actually speak to a banker on this matter to understand more about how the interests are being structured. For asset based lending, the structure can be interesting and banks may have different solutions.

——

I have been in the real estate business since 2009, with more than 14 years of experience serving the Singapore real estate market.

I am very active in the residential segment of Singapore real estate market, having transacted hundreds of deals from HDBs to private condominiums and landed properties in Singapore, and have handled many unique cases in sales and purchases as well as rental deals.

Over the years, I have also established a network reaching out to more than 15,900 expatriates, bringing my market presence to both in and outside of Singapore. This has created an additional exposure when I manage my client's portfolios, on top of the conventional on and offline platforms, where other estate agents are relying on. This has allowed me to consistently convert leads into results.

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Hi

For pledging of funds as fixed deposit, to my understanding typically the FD rate is very minimal. Banks extend this solution to help facilitate a higher borrowing amount for the applicant, but as a trade off they will not be paying typical FD rates. They are a business entity after all. It is also depending on which bank and the package taken up.

Hope the above clarifies. I am well-versed with HDB and private property transactions, having helped more than 100 homeowners transit smoothly with their housing plans. Please reach out to me at 97432395  for a more in-depth discussion :)

May I have more info on your requirements so as to make better recommendations? Thanks and looking forward to chat more

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1. **Interest Earnings** – The pledged amount earns interest based on the bank’s offered rates.

2. **Offset Mortgage Interest** – Earned interest can help reduce some of the mortgage loan interest costs.

3. **Minimal FD Rates** – Fixed deposit (FD) rates for pledged funds are usually lower than standard FD rates.

4. **Higher Loan Approval** – Banks offer this option to help applicants qualify for a larger loan amount.

5. **Bank & Package Dependent** – The terms vary based on the bank and the specific mortgage package chosen.

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