Benefits

Personal Loan

Personal Loan

  • No property pledge or company guarantee required
  • Loan amount: VND 18 Million – 400 Million
  • Tenor: 12 - 60 months
  • Get up to 12x your monthly income

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Requirement

  • Vietnamese citizen
  • Age: 22- 60 years old
  • Minimum net monthly income via bank account: VND 6 Million
  • Minimum length of employment: Probation must be completed

• At least 3 months in current job. If not,
• At least 1 year Labour Contract with previous employer is required

  • Having temporary residence at area: HCMC, Ha Noi Or Binh Duong

Documentations

  • Personal Loan Application Form
  • Copy of valid ID
  • Copy of permanent residence book/KT3
  • Proof of Income: Bank statement AND/OR Payslip for the most recent 3 months ( 6 months if variable income).
  • Employment documents: - Copy of Labor Contract OR Company Certification about Joining Date.
  • Payroll Transfer Letter (required if payroll customer)

* Individual document requirements may vary depending on individual case


  • Fast approval

  • Competitive interest rates and monthly repayment

    Competitive interest rate, effective on reducing balance
    Equated Monthly Installment (EMI)

  • Excellent customer service and assistance

    Door-to-Door service: collect Loan Application and bring Loan Agreement to Customer for signing
    Excellent Customer service and assistance

Fees & Useful Information

Late Payment Interest 150% of normal interest rate levied on Principal Outstanding on the daily basis
Early Settlement Fee on full repayment 4% of the outstanding balance the first year, 2% the second year and 1% the third year onwards
Notarised copy of loan documents with SC Bank office stamps Personal segment: VND 100,000/ per document or copy
Priority segment: Free of charge

Useful Information

FAQ

Any specific purpose is required for applying Standard Chartered Personal Loan?

Standard Chartered Personal Loan is for all personal consumption purposes, but not for share financing, gold and foreign notes trading.

Why should I apply for it? / What makes Standard Chartered Personal Loan attractive compared to Personal Loan from other Banks?

Competitive interest rate. Ease of process, less document required, especially for Corporate salaried. The loan comes with varieties of bank services/facilities that make your transactions with Bank becomes easiest and most convenience. Good services and financial consulting of the most international bank in the world.

When and how will I know the status of my loan application?

The 24 Services Guaranteed for Personal Loan will inform you the approval status of your loan via SMS triggered to your mobile phone 24 hours after your completed loan application submitted to Bank.

If I want to get back all document I submitted to the Bank, how can I do it?

It is Bank’s policy not to return submitted documents to customers.

How can I get the money if approved? Will the Bank transfer money to my other Bank's account?

A bank account will be opened for you for purposes of loan disbursement and repayment monthly if your loan is approved. The approved loan amount will be transferred to this account.

Where are the re-payment channels?

Bank will automatically deduct the repayment amount monthly from your account (payroll account or saving account) with Standard Chartered. All you need to do is to transfer salary or maintain sufficient account balance to repay monthly loan amount, the rest will be done by Bank on your behalf.

If my mailing address is changed after getting the loan, who should I contact with? What's the required document?

If you change your mailing address or any other personal information such as mobile phone, home phone, etc…,you can access to Standard Chartered online banking and update information or you can call our Call center 08 39110000 / 04 36960000 and request for help. You can also go to Branch to make the change by filling the Change of Particular form which Bank staff will provide you.

Terms and Conditions

Personal Loan Terms and Conditions

Click here for details

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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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