After more than ten years with Lim & Tan (L&T) brokerage, I decide to do an OUTWARD TRANSFER of a portion of my stocks, to the custody of Standard Chartered bank (SCB).    Why so?        WEALTH LENDING SERVICES   One primary reason is SCB’s ability to provide Wealth Lending Service at low rates, typically less than 1.5% p.a. (subject to Libor/sibor). Instead, L&T can only provide Share Margin Lending that are typically 2.99% and higher.     Wealth lending is collateralized by the shares you owned and there is an LTV (Loan to Value) for each of the shares you own. LTV can be 0.3, 0.4, 0.5, 0.6 and up to 0.7 the values of the shares, depending on what shares you own!    For more details, you have to refer back to your individual broker / wealth manager as different portfolio at different time has different...