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Loan Comparison

Designed with flexibility to best suit your needs

Features Comparison

Detailed Comparison of the Loans features
Features Home Mortgage Loan Home Equity Loan Personal Instalment Loan Secured Overdraft
Purpose Own your house today A loan that gives you the freedom to create wealth Make your plans a reality today Fulfill your personal needs while enjoying the attractive interest rates from fixed deposits
Secured Loan
       
Minimum Income VND 10 mil

VND 10 mil

VND 6 mil Not Applicable
Loan To Value Ratio; or, Maximum Loan Amount 70% 60% VND 900 mil Up to 90% of the value of VND Time Deposit; or,
85% of the value of Time Deposit in FCY1
Maximum Loan Tenor Up to 25 years Up to 15 years Up to 5 years Up to 12 months
Step-down Interest Rate Scheme
      Base on your actual balance utilization
Early Repayment        
Interest Rate From 7.99% p.a to 10.75% p.a From 7.99% p.a to 11.25% p.a From 13.99% p.a to 16.49% p.a From 7.00% p.a
Detailed Comparison of the Loans features
Features Purpose
Home Mortgage Loan Own your house today
Home Equity Loan A loan that gives you the freedom to create wealth
Personal Instalment Loan Make your plans a reality today
Secured Overdraft Fulfill your personal needs while enjoying the attractive interest rates from fixed deposits
Features Secured Loan
Home Mortgage Loan  
Home Equity Loan  
Personal Instalment Loan  
Secured Overdraft  
Features Minimum Income
Home Mortgage Loan VND 10 mil
Home Equity Loan

VND 10 mil

Personal Instalment Loan VND 6 mil
Secured Overdraft Not Applicable
Features Loan To Value Ratio; or, Maximum Loan Amount
Home Mortgage Loan 70%
Home Equity Loan 60%
Personal Instalment Loan VND 900 mil
Secured Overdraft Up to 90% of the value of VND Time Deposit; or,
85% of the value of Time Deposit in FCY1
Features Maximum Loan Tenor
Home Mortgage Loan Up to 25 years
Home Equity Loan Up to 15 years
Personal Instalment Loan Up to 5 years
Secured Overdraft Up to 12 months
Features Step-down Interest Rate Scheme
Home Mortgage Loan  
Home Equity Loan  
Personal Instalment Loan  
Secured Overdraft Base on your actual balance utilization
Features Early Repayment
Home Mortgage Loan  
Home Equity Loan  
Personal Instalment Loan  
Secured Overdraft  
Features Interest Rate
Home Mortgage Loan From 7.99% p.a to 10.75% p.a
Home Equity Loan From 7.99% p.a to 11.25% p.a
Personal Instalment Loan From 13.99% p.a to 16.49% p.a
Secured Overdraft From 7.00% p.a

1FCY: Foreign Currency

Home Loans Rates

Home Loans fixed rates comparison
Fixed Period2 Home Mortgage Loan
from VND 500 mil

Home Mortgage Loan
from VND 1 bil

Home Equity Loan
from VND 500 mil
Home Equity Loan
from VND 1 bil
06 months 7.99% p.a 7.99% p.a 7.99% p.a 7.99% p.a
12 months 7.99% p.a 7.99% p.a 8.49% p.a 8.49% p.a
24 months  

8.49% p.a

  8.99% p.a
36 months
  9.49% p.a   9.99% p.a
48 months   9.49% p.a   9.99% p.a
60 months   10.24% p.a
  10.24% p.a
Home Loans fixed rates comparison
Fixed Period2 06 months
Home Mortgage Loan
from VND 500 mil
7.99% p.a

Home Mortgage Loan
from VND 1 bil

7.99% p.a
Home Equity Loan
from VND 500 mil
7.99% p.a
Home Equity Loan
from VND 1 bil
7.99% p.a
Fixed Period2 12 months
Home Mortgage Loan
from VND 500 mil
7.99% p.a

Home Mortgage Loan
from VND 1 bil

7.99% p.a
Home Equity Loan
from VND 500 mil
8.49% p.a
Home Equity Loan
from VND 1 bil
8.49% p.a
Fixed Period2 24 months
Home Mortgage Loan
from VND 500 mil
 

Home Mortgage Loan
from VND 1 bil

8.49% p.a

Home Equity Loan
from VND 500 mil
 
Home Equity Loan
from VND 1 bil
8.99% p.a
Fixed Period2 36 months
Home Mortgage Loan
from VND 500 mil
 

Home Mortgage Loan
from VND 1 bil

9.49% p.a
Home Equity Loan
from VND 500 mil
 
Home Equity Loan
from VND 1 bil
9.99% p.a
Fixed Period2 48 months
Home Mortgage Loan
from VND 500 mil
 

Home Mortgage Loan
from VND 1 bil

9.49% p.a
Home Equity Loan
from VND 500 mil
 
Home Equity Loan
from VND 1 bil
9.99% p.a
Fixed Period2 60 months
Home Mortgage Loan
from VND 500 mil
 

Home Mortgage Loan
from VND 1 bil

10.24% p.a
Home Equity Loan
from VND 500 mil
 
Home Equity Loan
from VND 1 bil
10.24% p.a

2After the Fixed Period, Variable Rate will be applied

Personal Instalment Loan Rates

Fixed rate for Personal Instalment Loan
Segment Loan Amount < VND 200 mil
Loan Amount >= VND 200 mil
Corporate Employee Privilege Scheme and maintain a salary account with HSBC3 14.99% p.a 13.99% p.a
Premier 14.99% p.a 13.99% p.a
Others 16.49% p.a 16.49% p.a
Fixed rate for Personal Instalment Loan
Segment Corporate Employee Privilege Scheme and maintain a salary account with HSBC3
Loan Amount < VND 200 mil
14.99% p.a
Loan Amount >= VND 200 mil 13.99% p.a
Segment Premier
Loan Amount < VND 200 mil
14.99% p.a
Loan Amount >= VND 200 mil 13.99% p.a
Segment Others
Loan Amount < VND 200 mil
16.49% p.a
Loan Amount >= VND 200 mil 16.49% p.a

3Terms and conditions apply.

Secured Overdraft

Interest rate = Prime Rate + Spread
Prime Rate Premier Spread Mass Spread
7.00% p.a
0% p.a 0% p.a
Interest rate = Prime Rate + Spread
Prime Rate 7.00% p.a
Premier Spread 0% p.a
Mass Spread 0% p.a

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