A revolving credit line secured against your property or car, giving you access to cash without selling assets.

Singapore and Permanent Resident property owners (private or EC post-MOP) with fully or partially paid assets. Certain car models also accepted.

Up to 80% of your property’s value or 50% of car value, minus existing loans and CPF amounts.

Absolutely—use it for investments, renovation, education, business needs, or personal goals.

Independent valuers appraises the asset. Borrowable amount = (Asset value × LTV) – outstanding mortgages – CPF used.

Application is fully digital. After document upload and assessment, funds are typically available in under 10 days.

Once approved, funds are available in a few days. Draw, repay, and redraw via your nominated bank account.

Positively, Yes! We aim to minimize your total monthly obligations and reclassify some credit elements and enhance your borrowing power.

Competitive fixed, variable or tiered rates, designed according to your needs—clearly communicated up front.

We had to block out funds to provide the loan for the agreed tenure, we will only take a portion of the interest that was supposedly due. It's not a penalty, rather a premium for flexibility.

Choose 1–5 years. At maturity, repay or renew—flexibility to suit your needs.

Yes—renewal is simple, based on updated asset valuation and your usage needs.

Separately from the interest charges, there is a one-time setup fee, and yearly fee, depending on which plan you sign up for—no hidden charges.

SmartEquity Line includes the facilitation of a term insurance package tailored to protect against job loss, accident, disability, or death—designed solely to safeguard your ability to repay, not to invest. It isn’t an investment-linked policy or a savings plan—think of it like a safety net built right into your credit facility. Similar to payment protection insurance, it covers your monthly dues for a limited period if the unexpected happens, ensuring your assets and cashflow stay secure

You'll receive alerts to top up or repay. Our system helps you monitor and manage LTV ratios.

SMS/email alerts help avoid missed payments. If needed, our care team reaches out to assist.

No, you don't. As long as a family member, friend or business associate is willing to step in and pledge their asset as collateral on your behalf.

No. You can choose anyone you trust as guarantor—you don’t have to be related.

We ensure you always keep a safe buffer—minimum collateral-to-loan ratio is monitored and managed.

No. SEL credit is SGD cash, and CPF funds cannot be used for repayments.

PEL operates under Skystone Asset Management- a Capital Markets Services (CMS) licence- overseen by MAS. This permits tailored, asset-backed financing—such as equity-secured credit lines—while adhering to strict conduct and capital standards.
In contrast, a moneylender’s licence allows individuals to offer unsecured loans under different interest and borrower protections. SEL’s CMS-backed structure offers asset-backed flexibility and higher regulatory trust—not an unsecured loan model.

No—SEL is not any of these:

• Not a HELOC: SEL offers structured credit lines with informed draw/repay flexibility—not ad-hoc home equity overdraft.
• Not a Debt Consolidation Plan (DCP): SEL targets asset-rich users seeking liquidity, not retail borrowers managing unsecured debts under specific income thresholds.
• Not a CCS Debt Management Programme (DMP): SEL is not a repayment negotiation scheme for distressed borrowers—it’s a proactive, structured wealth solution.
• Not the Ministry of Law’s Debt Repayment Scheme (DRS): SEL does not involve pre-bankruptcy filings or court-sanctioned repayment plans.