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Asset Link Credit Facility

Turn your assets into extra cash by pledging different assets as collateral, to capture opportunities to grow your wealth.

Key Features

  • This service accepts a variety of assets for pledging, including properties, shares, deposits, funds, gold or bonds, etc.
  • The preferential annualised interest rate relieves your burden on repayment
  • You can withdraw cash conveniently through multiple channels, such as online banking, cheques, visiting our branches or ATM

Loan Ratios for Different Asset Types


Deposits
Asset Type Currency Loan Ratio
(% of Asset Market Value)
Fixed Deposits HKD / USD Up to 100%
RMB / EUR / GBP / CAD /AUD / NZD / JPY / CHF Up to 90%
Currency Linked Deposits HKD / RMB / USD / EUR / GBP / CAD / AUD / NZD / JPY / CHF Up to 70%

Shares
Asset Type Loan Ratio (% of Asset Market Value)
Shares* Up to 60%
 

* Click here for details of Shares Overdraft Facility.


Funds
Asset Type Loan Ratio (% of Asset Market Value)
Guaranteed Fund Up to 70%
Mutual Fund Up to 70%

Properties
Asset Type Loan Ratio (% of Asset Market Value)
Properties Up to 60% of the appraised value

Gold
Asset Type Loan Ratio (% of Asset Market Value)
Paper Gold Up to 70%

Other Investment Assets
Asset Type Loan Ratio (% of Asset Market Value)
Bonds Up to 70%
Equity Linked Note/Equity Linked Investment Up to 50%
Other Principal-Protected Structured Products Up to 50%
 

Remarks: The above information is for reference only. Shanghai Commercial Bank Limited ("the Bank") may at its absolute discretion approve or reject any loan application. The Bank also reserves the right to vary the above offers and/or amend the related terms and conditions at any time without prior notice.

To borrow or not to borrow? Borrow only if you can repay!

In case you wish to enquire whether a third party is appointed by our Bank for referring credit card or loan application, please contact customer service hot line 2818 0282.
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