Maple Family Trust second line
Example Bank · Maple Family Trust · 7.50% all-in · interest added to the loan
No draws
Limit
uncommitted, on demand
Drawn
from the ledger
Available
est.
to draw today
Utilization
of lending value; comfort 50%
Distance to a call
nothing drawn, no call possible
How far it can fall
Drawn against lending value and the call level, as collateral falls
Room to comfortAvailableCallNot lent against
- Not lent against$20k → $40k
- Call$20k → $20k
- Available$10k → $20k
- Room to comfort$0 → $10k
How far collateral can fall before a call
0%100%
- Nothing drawn, no call possible.
- Your alert 30%
Collateral
$39,592
estimate
Lending value
$19,796
estimate
LTV
0.0%
call at 50.0%
Largest alone
—
AAPL
Interest a year
$0
365 day count
Includes $39,592 of collateral at unconfirmed advance rates.
Collateral
Each pledged position, what the bank lends against it, and the fall that alone would bring a call
| Position | Type | Value | Share | Advance | Lending value | Call value | Fall alone to a call |
|---|---|---|---|---|---|---|---|
| Apple Inc. | Stock | $39,592 | 100.0% | 50% * | $19,796 | $19,796 | nothing drawn, no call possible |
- Type
- Stock
- Value
- $39,592
- Share
- 100.0%
- Advance
- 50% *
- Lending value
- $19,796
- Call value
- $19,796
- Fall alone to a call
- nothing drawn, no call possible
Plan a draw
What a draw would change, under stress: build it in Plan
Room to draw now
$19,796
estimate
Largest draw that survives a 30% fall
$21,319
into a fund in the pledged account
Interest on $25k a year
$1,875
at 7.50%
Planned draws
0
none on file
Ledger
Draws, repayments and interest on file
DrawnLending valueCall valueBank says
Scale $0 to $24k (not from zero)
Utilization
now 0% · min 0% · max 0%
Distance to call
Not enough history yet.
No ledger entries yet.
Bank figures
What the bank says, beside what xutz works out
No bank figures yet. Add them from a statement or by hand to compare.
Demo mode: read-only.
Estimates from your holdings and the terms you entered. The bank's own valuation, rates and decisions govern, and it may change them. Not advice.