Secured Overdraft

Fulfill your personal needs while enjoying attractive interest rates on fixed deposits

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Secured overdraft

Why is this good for you?

Having an arranged overdraft could come in handy if you need some short-term funds to serve your personal expense purposes.

High overdraft line limit

up to 95% of the value of VND Time Deposit or 75% of the value of Foreign Currency Time Deposit
Long loan tenor

You could have the loan tenor up to 12 months
Simple procedure

We have quick disbursement processing within 3 hours

How to apply click to link to Eligibility and How to apply section

Explore the rates and fees

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.

Important note:

No processing fee
Prime Rate is an internal HSBC decided rate and may change vary from time to time
Interest charged only on balance used, monthly interest repayment, principle repayment by end of tenor
No early repayment fee

Eligibility and How to apply

Vietnamese or resident foreigners
Aged 18 or above
Maintain an operating Term Deposit account at HSBC

Please make sure you have carefully read the Eligibility and Terms and Conditions of Secured Overdraft (PDF, 309KB). Call us on:

(84 28) 37 247 247(the South)

(84 24) 62 707 707 (the North)

Lines are open from 8am to 10pm daily.

Download Secured Overdraft form This link will open in a new window

Frequently Asked Questions

Secured Overdraft is a flexible loan for customers in need of funds while your own assets has been placed in a fixed deposit at HSBC Vietnam. Customers only pay monthly interest on the amount and number of days actually used.

The current applicable lending interest rates are posted on our public website at https://www.hsbc.com.vn/en-vn/help/rates-and-fees/. Please contact our Contact Center or visit any HSBC branch or transaction office for further support.