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Why is this good for you?

A home equity loan is a loan for a fixed amount of money that is secured by your home. With your changing needs, you can enjoy the flexibility of our attractive loan.

  • Interest rate from 6.20% p.a
  • Fixed rates of up to 5 years
  • Fast and easy arrangement of loans at competitive prices
  • Mortgage loan amount of up to 60% of the house value
  • Long loan tenor of up to 15 years
  • Pay less through our reducing-balance option

Explore key product details now

Key product details for the Home Value home loan

Product Features
Details
Interest type
Fixed rates of up to 5 years then Variable rates will be applied
Maximum Loan to Value Ratio
60%1
Loan amount
Up to VND 8bn
Repayment option
Principal and Interest
Repayment method
Straight-line or step-up
Payment frequency
Monthly repayments
Additional repayments
The flexibility to make additional repayments could save you interest
Loan term
From 1 to 15 years
Purpose
Diversified loan purposes in accordance with the laws and the Bank

Key product details for the Home Value home loan

Product Features
Interest type
Details
Fixed rates of up to 5 years then Variable rates will be applied
Product Features
Maximum Loan to Value Ratio
Details
60%1
Product Features
Loan amount
Details
Up to VND 8bn
Product Features
Repayment option
Details
Principal and Interest
Product Features
Repayment method
Details
Straight-line or step-up
Product Features
Payment frequency
Details
Monthly repayments
Product Features
Additional repayments
Details
The flexibility to make additional repayments could save you interest
Product Features
Loan term
Details
From 1 to 15 years
Product Features
Purpose
Details
Diversified loan purposes in accordance with the laws and the Bank

1 Loan to Value Ratio (LVT) subject to HSBC's assessment and lending criteria.

Reference rates and fees

Home Equity Loan fixed rates

Fixed Period
Premier customers
Corporate Employee  maintain salary account with HSBC
Other customers
06 months 6.20% p.a
6.25% p.a
6.70% p.a
12 months 6.50% p.a
6.55% p.a
7.00% p.a
24 months 7.00% p.a
7.05% p.a
7.50% p.a
36 months 7.40% p.a
7.45% p.a
7.90% p.a
48 months 8.00% p.a
8.05% p.a
8.50% p.a
60 months 9.74% p.a
9.79% p.a
10.24% p.a

Home Equity Loan fixed rates

Fixed Period
06 months
Premier customers
6.20% p.a
Corporate Employee  maintain salary account with HSBC
6.25% p.a
Other customers
6.70% p.a
Fixed Period
12 months
Premier customers
6.50% p.a
Corporate Employee  maintain salary account with HSBC
6.55% p.a
Other customers
7.00% p.a
Fixed Period
24 months
Premier customers
7.00% p.a
Corporate Employee  maintain salary account with HSBC
7.05% p.a
Other customers
7.50% p.a
Fixed Period
36 months
Premier customers
7.40% p.a
Corporate Employee  maintain salary account with HSBC
7.45% p.a
Other customers
7.90% p.a
Fixed Period
48 months
Premier customers
8.00% p.a
Corporate Employee  maintain salary account with HSBC
8.05% p.a
Other customers
8.50% p.a
Fixed Period
60 months
Premier customers
9.74% p.a
Corporate Employee  maintain salary account with HSBC
9.79% p.a
Other customers
10.24% p.a

After the Fixed Period, Variable Rate will be applied

Useful calculators you may need

 

Find out how much you pay monthly according to your loan amount, loan period and interest rate.

 

Use this quick calculator to get an indication of the maximum amount you can borrow based on your income.

Things you should know

How to apply

Please make sure you've read the information under Things you should know section

Apply by phone

Call us on:

(84 28) 37 247 247(the South)

(84 24) 62 707 707 (the North)

Lines are open 8am to 10pm daily.

Frequently Asked Questions

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