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Home equity loan

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.

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 (*)	Mortgage Loan (**)
06 months	5.50% p.a
12 months	6.50% p.a
24 months	6.99% p.a
36 months	7.99% p.a
48 months	8.49% p.a
60 months	8.99% p.a

Home Equity Loan fixed rates
Fixed Period (*)	06 months
Mortgage Loan (**)	5.50% p.a

Fixed Period (*)	12 months
Mortgage Loan (**)	6.50% p.a

Fixed Period (*)	24 months
Mortgage Loan (**)	6.99% p.a

Fixed Period (*)	36 months
Mortgage Loan (**)	7.99% p.a

Fixed Period (*)	48 months
Mortgage Loan (**)	8.49% p.a

Fixed Period (*)	60 months
Mortgage Loan (**)	8.99% 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 offers and hold other HSBC’ products.

Variable rate = Prime Rate + Spread
Period	Prime Rates²	Spread for personal banking
1 month	10.75% p.a	0.75% p.a
3 months	11.25% p.a	0.75% p.a
6 months	11.50% p.a	0.75% p.a

Variable rate = Prime Rate + Spread
Period	1 month
Prime Rates²	10.75% p.a
Spread for personal banking	0.75% p.a

Period	3 months
Prime Rates²	11.25% p.a
Spread for personal banking	0.75% p.a

Period	6 months
Prime Rates²	11.50% p.a
Spread for personal banking	0.75% p.a

²Prime Rates is an internal HSBC decided rates and may vary from time to time

Home Loans Early Repayment fees

Basing on early principal amount
Interest Rate Scheme	Year 1	Year 2	Year 3	Year 4	Year 5	Y6 Onwards
Fixed rate 1 year	4%	3%	2%	1%	1%	0%
Fixed rate 2 years	4%	3%	2%	1%	1%	0%
Fixed rate 3 years	4%	3%	2%	1%	1%	0%
Fixed rate 4 years	4%	3%	2%	1%	1%	0%
Fixed rate 5 years	4%	3%	2%	1%	1%	0%

Basing on early principal amount
Interest Rate Scheme	Fixed rate 1 year
Year 1	4%
Year 2	3%
Year 3	2%
Year 4	1%
Year 5	1%
Y6 Onwards	0%

Interest Rate Scheme	Fixed rate 2 years
Year 1	4%
Year 2	3%
Year 3	2%
Year 4	1%
Year 5	1%
Y6 Onwards	0%

Interest Rate Scheme	Fixed rate 3 years
Year 1	4%
Year 2	3%
Year 3	2%
Year 4	1%
Year 5	1%
Y6 Onwards	0%

Interest Rate Scheme	Fixed rate 4 years
Year 1	4%
Year 2	3%
Year 3	2%
Year 4	1%
Year 5	1%
Y6 Onwards	0%

Interest Rate Scheme	Fixed rate 5 years
Year 1	4%
Year 2	3%
Year 3	2%
Year 4	1%
Year 5	1%
Y6 Onwards	0%

Home Equity Loan fixed rates
Fixed Period (*)	Mortgage Loan (**)
06 months	5.50% p.a
12 months	6.50% p.a
24 months	6.99% p.a
36 months	7.99% p.a
48 months	8.49% p.a
60 months	8.99% p.a

Home Equity Loan fixed rates
Fixed Period (*)	06 months
Mortgage Loan (**)	5.50% p.a

Fixed Period (*)	12 months
Mortgage Loan (**)	6.50% p.a

Fixed Period (*)	24 months
Mortgage Loan (**)	6.99% p.a

Fixed Period (*)	36 months
Mortgage Loan (**)	7.99% p.a

Fixed Period (*)	48 months
Mortgage Loan (**)	8.49% p.a

Fixed Period (*)	60 months
Mortgage Loan (**)	8.99% p.a

Variable rate = Prime Rate + Spread
Period	Prime Rates²	Spread for personal banking
1 month	10.75% p.a	0.75% p.a
3 months	11.25% p.a	0.75% p.a
6 months	11.50% p.a	0.75% p.a

Variable rate = Prime Rate + Spread
Period	1 month
Prime Rates²	10.75% p.a
Spread for personal banking	0.75% p.a

Period	3 months
Prime Rates²	11.25% p.a
Spread for personal banking	0.75% p.a

Period	6 months
Prime Rates²	11.50% p.a
Spread for personal banking	0.75% p.a

²Prime Rates is an internal HSBC decided rates and may vary from time to time

Home Loans Early Repayment fees

Basing on early principal amount
Interest Rate Scheme	Year 1	Year 2	Year 3	Year 4	Year 5	Y6 Onwards
Fixed rate 1 year	4%	3%	2%	1%	1%	0%
Fixed rate 2 years	4%	3%	2%	1%	1%	0%
Fixed rate 3 years	4%	3%	2%	1%	1%	0%
Fixed rate 4 years	4%	3%	2%	1%	1%	0%
Fixed rate 5 years	4%	3%	2%	1%	1%	0%

Basing on early principal amount
Interest Rate Scheme	Fixed rate 1 year
Year 1	4%
Year 2	3%
Year 3	2%
Year 4	1%
Year 5	1%
Y6 Onwards	0%

Interest Rate Scheme	Fixed rate 2 years
Year 1	4%
Year 2	3%
Year 3	2%
Year 4	1%
Year 5	1%
Y6 Onwards	0%

Interest Rate Scheme	Fixed rate 3 years
Year 1	4%
Year 2	3%
Year 3	2%
Year 4	1%
Year 5	1%
Y6 Onwards	0%

Interest Rate Scheme	Fixed rate 4 years
Year 1	4%
Year 2	3%
Year 3	2%
Year 4	1%
Year 5	1%
Y6 Onwards	0%

Interest Rate Scheme	Fixed rate 5 years
Year 1	4%
Year 2	3%
Year 3	2%
Year 4	1%
Year 5	1%
Y6 Onwards	0%

Useful calculators you may need

Calculate my repayments

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

How much can I borrow?

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

Things you should know

Vietnamese individuals or Overseas Vietnamese.
Age from 18 to 65.
Monthly personal income of at least VND 10 million.
Local residents living in Hanoi, HCMC, Dong Nai, Binh Duong, Long An, Ba Ria - Vung Tau, Tay Ninh, Bac Ninh, Vinh Phuc, Hung Yen, Hai Duong, Hai Phong, Danang, Hoi An City, Tam Ky (Quang Nam), Hue City (Hue).
Mortgaged property must be located in Hanoi, Ho Chi Minh City, Dong Nai, Binh Duong and minimum value is VND 800 million OR located in Danang and minimum value is VND 500 miilion.

Loan application form (original copy).
Identification card (a certified copy or the original ID to be crosschecked at the bank. The date of issuance of the ID card must not exceed 15 years with identifiable details and photo).
Household registration book / Temporary residence book.
Marital Status certificate.
Copy of purchasing house ownership certificate.
Proof of income.
Copy of other asset ownership certificates (if any).

How to apply

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

Leave your message

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

The current applicable lending interest rates are posted on our public website at https://www.hsbc.com.vn/en-vn/help/rates-and-fees/. You can choose an appropriate fixed period in accordance with your loan. After fixed period, floating rates will be applied. You can choose the applicable interest rate according to interest review cycle of 1 month, 3 months or 6 months. Consequently, your applicable interest rate may be adjusted following the agreed interest review cycle.

Fees related to your application include:

Property valuation fee of VND 1,890,000 at the minimum (VAT exclusive and subject to the independent valuation company and the fee may vary depending on location of the property).

Legal fee for notarization/security transaction registration service (subject to the independent service company and fee may vary depending on registration location).

Notarization fee and security transaction registration fee: subject to standard fee quoted by the local authority and paid directly by customer.

Other applicable fees. Please refer to this link (PDF, 190KB) for more information

The loan amount will be reviewed and approved mainly based on the income, other lending liability and credit history. The loan amount can be up-to 70% of value of the secured property depending on types of housing loans. Please contact our Contact Center or visit any HSBC branch or transaction office for further support.

Read full FAQs to read the full version of frequently asked questions on loans This link will open in a new window