Non-Liquid assets

Non-Liquid Assets are assets or assets that are not easily sold in cash, for example loans on the secondary market are limited; however, loans like these can be sold at a discount and a nominal price; included in this sense are assets that are not counted into bank capital, such as real estate obtained by prepayment and illiquid illiquid illicit financial and financial: a company that does not have enough funds to meet obligations that have been due date; Investment: assets that cannot be immediately liquidated, such as stocks, bonds, or commodities that are not actively traded and will be difficult to sell at once without suffering loss or loss (illiquidity).


Assets that are not easy to cash; assets such as, among others, buildings and machinery (illiquid assets).

Financial Fervices Authority

What Are Non-Liquid Assets?

Non-liquid assets are assets or that are not easily liquidated or cashed. Not that absolutely can not be cashed, but to convert illiquid assets into money takes time to wait. Then how long does it take to liquidate non-liquid assets? It depends on several factors. For example, the availability of buyers or enthusiasts of assets to be sold.

Non-liquid assets are also called non-liquid assets. This type of asset is the opposite of monetary assets that have a high level of liquidity because they are easy and fast to be disbursed. Liquidity is a measure used to describe how quickly an asset can be converted into money. From the name we can see, this type of asset certainly has a low level of liquidity, even illiquid .

Examples of Non-Liquid Assets

As explained above, that illiquid assets are assets that require time to be converted into money. Then, what is included in the illiquid assets? This type of asset is commonly found in real estate or property businesses, for example:

  • House

The house or housing is an illiquid asset, this is because it takes a long time for the house to sell so the seller can get money.

  • Apartment

Although the apartment business is booming, these assets are not easily liquidated. It takes a long time to convert an apartment into money.

  • Soil

Land is indeed an illiquid asset. It takes a long time to enjoy the results of this type of investment . However, the value of these assets will continue to grow over time. So, the longer these assets are stored, the more expensive they are.

  • Stock

Although not included in property assets, shares are also included in the type of illiquid assets. This is because ownership of shares does not necessarily mean that cash can be cashed out.


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