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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 20 mil	VND 20 mil	VND 8 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

**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 20 mil
Home Equity Loan	VND 20 mil
Personal Instalment Loan	VND 8 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

¹FCY: Foreign Currency

Home Loans Rates
Fixed Period (*)	Mortgage Loan (**)
12 months	9.75% p.a
24 months	10.25% p.a
36 months	10.75% p.a
48 months	12.30% p.a
60 months	12.30% p.a

Home Loans Rates
Fixed Period (*)	12 months
Mortgage Loan (**)	9.75% p.a

Fixed Period (*)	24 months
Mortgage Loan (**)	10.25% p.a

Fixed Period (*)	36 months
Mortgage Loan (**)	10.75% p.a

Fixed Period (*)	48 months
Mortgage Loan (**)	12.30% p.a

Fixed Period (*)	60 months
Mortgage Loan (**)	12.30% p.a

(*) After the Fixed Period, Variable Rate will be applied

(**) Mortgage interest rate might be lower if customer meet some conditions include: Premier, Payroll account and hold other HSBC’ products.

Home Loans variable rates

Check variabe rate now

Personal Instalment Loan Rates

Rates for a Personal Instalment Loan: 16.49%p.a.

Secured Overdraft

Interest rate = Prime Rate + Spread
Prime Rate	Mass Spread
6.25% p.a	1.25% p.a

Interest rate = Prime Rate + Spread
Prime Rate	6.25% p.a
Mass Spread	1.25% p.a

Do you have more enquiries?

Necessary documents include:

Application form
Identity documents (ID/Passport, Household Registration Book and/or Temporary Residential Registration)
Labour contract or Letter of employment
Bank-statement showing the last 3 month salary if your income is from salary only OR bank-statement showing the last 6 month salary if your income is from base salary + commission or from commission only
Utility bill at current residential address
Loan purpose document (subject to HSBC’s policy)

The Bank reserves the right to require customer to provide additional documents depending on each specific loan application. Please contact our Contact Center or visit any HSBC branch or transaction office for further support.

Necessary documents include:

Application form
Identity documents (ID/Passport, Household Registration Book and/or Temporary Residential Registration, Marital status certificate)
Income proof
Security ownership document (Land use right/Land use right and house ownership certificate/Sales and Purchase contract) and other loan purpose document.

The Bank reserves the right to require customer to provide additional documents depending on each specific loan application.Pease contact our Contact Center or visit any HSBC branch or transaction office for further support.

The value of your collateral will be assessed by a Valuation Company appointed by the Bank. Customers will pay directly to the service providers according to listed fees on the Bank's website at https://www.hsbc.com.vn/en-vn/. To ensure independence and objectivity, the valuation company is randomly selected by the Bank and you cannot interfere into this selection procedure.