Benefits

Property Fire Insurance Coverage

Property Fire Insurance Coverage

Fire Insurance by SCB (FREE for customer), covering 100% of the Loan Outstanding

Interest Rate Risk Management

Interest Rate Risk Management

Flexible Interest rate tenors (1-month, 3-months, 6-months, 1-year, …) enabling Customer to manage interest rate risk better.

Online Banking

Online Banking

  • Home Loan

    Up to 75% of market value, up to 25 years

    Ready properties (first/resale) and Under-construction Property (first/resale) for approved developers

  • Alternate Property

    Up to 75% of market value, up to 25 years

    Already owned Ready Property mortgaged for purchase of another Residential Property.

  • Loan Against Property

    Up to 60% of market value, up to 15-25 years

    Loan to cover personal requirements like renovation, extension, construction, durable purchase, education and other personal requirement.

Fees, Interest & Useful Information

Fees are only for reference and subject to changes from time to time. For detailed information, please contact our staffs or visit our branches.

To the third party

Valuation Fee From VND 2,100,000
Registration Secured Transaction Fee VND 80,000 per request
Legal Fee (collected by 3rd party service provider) 3rd party actual fee to be charged (if any)
Request for change of collateral Third party fee (i.e. Valuation fee)
Notarised copy of loan documents with Notary office stamps Third party fee/ Notary office fee tariff

Standard Chartered Bank (Vietnam) Limited (VAT of 10% not included)

Late Payment Interest 150% of normal interest rate levied on Principal Outstanding on the daily basis
Early Redemption In The First Year from the first disbursement date:

No Early Redemption is allowed or if accepted by the Bank, the Early Settlement Fee is 6% applied on the Partial or Full Early Redemption amount.

From The 2nd Year from the first disbursement date Until End of the 4th Year:

- Partial Early Redemption: (i) 0% Early Settlement Fee on the paid amount up to 20% of Disbursed Amount(s) in a year; or (ii) 2% on the paid amount exceeding 20% of Disbursed Amount(s) in a year.
- Full Early Redemption: 2% on the Outstanding Loan Amount;

From The 5th Year from the first disbursement date Onwards: No charge.

In all cases, Client is allowed to make Early Redemption not more than 4 times in a year.
Request for change of Re-pricing cycle Free of charge
Issue confirmation to complete Property renovation/ construction (which also includes property revaluation fee collected by 3rd party) Property located in HCM/ HN: VND 3,000,000/ time
Outside HCM/ HN: VND 5,000,000 per time
Note: VAT 10% included.
Issue Confirmation to lease the Collateral Personal segment: VND 100,000 per request
Priority segment: Free of charge
Request for Change of Repayment account Free
Issue Loan Detail Confirmation (balance, repayment summary...) Personal segment: VND 100,000/ per request
Priority segment: Free of charge
Notarised copy of loan documents with SC Bank office stamps Personal segment: VND 100,000/ per document or copy
Priority segment: Free of charge

Interest rate, interest rate conversion formula


Interest rate is calculated on a 360 days basis and converted to interest rates on a 365 days basis in accordance with the following formula Interest rate per year of 365 days basis = (Interest Rate per year of 360 days basis/ 360 days) x 365 days
Applicable interest rate and interest calculated are determined in the relevant Facility Agreement between client and the Bank
Interest is calculated based on the actual end-of-day outstanding balance and from the disbursement date to the actual repayment date (excluding actual repayment date)

Useful Information

Download Application
Apply Online
Email Us: vaymuanha.scb@sc.com

Terms and Conditions

For Mortgage
  1. For applicants who are Vietnamese residents or Foreigners whose spouses are Vietnamese residents.
  2. For applicants aged from 21 and aged at loan maturity of 55/60 (female/ male) with a minimum monthly net income of VND 17.2 Millions (USD 800) or VND 30 Millions (USD 1395)
  3. For applicants with co-borrowers who are Immediate Family Members.
  4. For applicants who have at least 3 months at current job/ or at least 1 year working experience (for salaried) or 3 years in operation (for self-employed)
  5. Please note that final approval of your Home loan/ Alternate Property Loan/ Loan Against Property is subject to receipt and validation of all required documents.

General Required Documentation
Salaried Customer
Copy of National ID Card/ Passport (for Vietkieu or Foreigner only).
Copy of valid Work permit/ Visa.
Copy of Permanent Resident Book/ KT3/ HK09.
Copy of Marital Status Certificate/ Single Certificate or Divorce Certificate/ or Death Certificate of Spouse.
Copy of Property Ownership or related valid documents to Property which is used as Collateral.
Copy of Purchase Agreement, Reservation Agreement, ... together with related payment invoice/ receipt (if any)
Evidence of Loan Purpose (e.g. construction license for renovation/ extension, purchase contract for home loan).
3-month of the latest pay slips or bank statement signed and authorized stamp by the pre-approved employer.
Evidence of employment for salaried

Self-Employed Customer
Copy of National ID Card/ Passport (for Vietkieu and Foreigner only).
Copy of valid Work permit/ Visa.
Copy of Permanent Resident Book/ KT3/ HK09.
Copy of Marital Status Certificate/ Single Certificate or Divorce Certificate/ or Death Certificate of spouse.
Certified true copy of FD and 6-month bank statement
Copy of Business License.
Copy of Property Ownership or related valid documents to Property which is used as Collateral.
Copy of Purchase Agreement, Reservation Agreement, ... together with related payment invoice/receipt (if any).
Evidence of Loan Purpose (e.g. Construction license for renovation/ extension, Purchase contract for Home Loan).
Evidence to show Length of relationship with the existing bank is more than 6-month and 1-year for PB and Non-PB respectively.
Proof of other incomes (if any), e.g. car rental, warehouse rental.
In case of joint account, provable document to show both must sign is required.

Standard Chartered Bank (Vietnam) Limited ("the Bank") will give you an initial response on your loan application within 30 days from the date that the Bank receives your completed and valid required documents.

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Speaking Up

Standard Chartered Bank (the “Bank”) is committed to maintaining a culture of the highest ethics and integrity, and in compliance with all applicable law, regulation and internal policy. As part of this commitment, the Bank has a ‘Speaking Up’ programme through which genuine concerns in this regard can be raised. Members of the public can securely raise Speaking Up concerns through this hyperlink, which is hosted on behalf of the Bank by a third party ‘InTouch’. Examples of concerns that can be raised through this website are concerns that relate to accounting, internal accounting controls or auditing matters and concerns relating to bribery or banking and financial crime. Concerns received will be forwarded to the Bank’s investigations team for review. Complaints relating to SCB banking services should not be raised through this site in the first instance, but through the SCB branch network, contact centres, Relationship Managers or the ‘Contact Us’ webpage.

Disclaimer

Please note that this hyperlink will bring to you to another website on the Internet, which is operated by InTouch, an independent company appointed by the Bank to support its Speaking Up programme. Please be mindful that when you click on the link and open a new window in your browser, you will be subject to the additional terms of use of the website that you are going to visit.

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