The minimum for these loans is 110 percent. Below 115 percent, only a few points of room are left, so warnings change their behaviour.
It leaves a small margin above the minimum. A single price move can take a loan across the line within hours. The minimum itself is 110 percent.
Normal warnings respect your quiet hours. Critical ones do not, because liquidation does not wait for the morning.
A critical warning comes again every hour while the loan stays in that zone. One missed notification should not mean a missed chance. That continues until the ratio is back above the level.
Look at the loan right away. The detail sheet shows the numbers for adding collateral or repaying debt, which are done on the loan system's website. Waiting rarely helps in this zone.
Pulse Lifeline treats anything below 115 percent as critical and keeps warning until the ratio recovers. Open Pulse Lifeline
Pulse Lifeline is in testing.
Last reviewed: 2026-11-02
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This page gives general information and is not legal, financial or medical advice. [email protected]