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Examples of accepted collateral


  • Listed shares
  • Unit trusts
  • Off-shore shares
  • Bank guarantees

Facility terms


There are a number of repayment options to suit the client's requirements. The most commonly used repayment options are:

  • Interest only bullet repayment

    The full facility is available over the full term. Monthly interest and fees must be serviced and the loan amount is settled at the end of the facility.

  • Interest roll up bullet repayment

    The full facility is available over the full term. Monthly interest and fees only need to be serviced when the approved credit utilisation limit is exceeded. The loan amount is settled at the end of the facility.

Margin call


The Bank will monitor your share portfolio on a daily basis to ensure your investment strategy works for you. In order to prevent the portfolio from major deprecation, should the portfolio fall by more than 15% a margin call breach will be triggered which will require top-up collateral to be provided. This will also allow you to adjust your asset allocation and strategy.

Securities Based Lending


Email:
SBLleads@fnb.co.za

Access to liquidity


Securities Based Lending provides liquidity to you without having to sell existing shares held in your portfolio leaving your long-term investment strategy intact.

Diversify income


A key pillar to any wealth preservation strategy is diversification. Through a Securities Based Lending facility, you could further increase your share portfolio that is unrelated to your main line of business, thus not only allowing you to utilise the power of gearing but also diversify your returns away from your main line of income.

Enhanced returns


If utilised correctly the power of gearing provides higher returns on your share portfolio than if you were to not use the power of gearing. This will assist you with all upside potential accruing to your portfolio.

Access to specialists


Securities Based Lending will provide you with a Wealth Manager or Fiduciary Specialist to help you identify and create your target share portfolio for potential gearing.

Securities Based Lending


Get quick access to funds

The Securities Based Lending offering is the ideal vehicle for getting quick access to funds - without having to liquidate securities - which means your investment portfolio can continue to move with the markets and grow.

What this is


Ideal for quick
access to funds


Securities Based Lending is the ideal vehicle to access liquidity, grow your share portfolio through gearing and most importantly assist in diversifying your source of income and assets.

Examples of accepted collateral

Facility terms

Margin Call

 

Benefits


Access to liquidity

Provides liquidity to you without having to sell existing shares

Read more

Diversify income

Diversify your returns away from your main line of income

Read more

Enhanced returns

Gearing provides higher returns on your share portfolio

Read more

Access to specialists

Helping you identify and create your target share portfolio

Read more

 

How much you get


Funds arranged with minimal paperwork


The facility size is determined by the diversity, liquidity, serviceability and market value of your portfolio together with a full credit review by FNB Private Clients.

The loan to value amount is largely dependent on the diversity of your portfolio.

  • Up to 30% on a single counter portfolio consisting of non-top 40 shares
  • Up to 50% on a single counter portfolio consisting of Top 40 shares
  • Up to 50% on a balanced portfolio - provided:There are a minimum of five counters
  • No counter has more than a 25% weighting
  • No more than 70% of the counters are in one industry

Assets you can use


Assets as collateral

The following movable assets can be used as collateral:

  • Cash
  • Listed shares
  • Unit trusts
  • Local cash investments
  • Preferential shares
  • Exchange traded funds (ETFs)
  • Real estate investment trusts (REITs)
  • Government bonds
  • Guarantees
  • Unlisted shares (these will be evaluated to determine acceptability)
  • Offshore investments (these will be evaluated on a case-by-case basis to determine acceptability)
 

Things to consider


Additional considerations

Can I continue to trade on my portfolio?

Portfolios ceded against Facilities are generally on a non-discretionary basis and are held with a long term view. As a result trading on a ceded portfolio will not be permitted without the prior written consent of the bank. The consent of which shall not be unreasonably withheld.

 

Getting it made easy


Securities Based Lending

How to get it

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Other ways to apply

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