Pledge amount — Cash / Fixed Deposit
Show / unpledged amount — Cash / Fixed Deposit
Instalment is stress-tested at a fixed 4% p.a. The pledge/show conversion uses a 48-month period, a 30% haircut on non-cash financial assets when pledged, and a 70% haircut when shown/unpledged rather than locked up. These are general industry conventions under MAS's TDSR/MSR asset-conversion rules — individual banks may apply different figures, so confirm with your bank's credit team before committing funds.