* Interest rate is calculated on a 365 days basis.
* 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).
Eligibility & Documents
For applicants who are Vietnamese residents or Foreigners whose spouses are Vietnamese residents.
For applicants with co-borrowers who are Immediate Family Members.
Minimum age of 21 and maximum age of 55 (female) or 60 (male) at loan maturity
At least 3 months at current job or at least 1 year working experience
Minimum age of 21 and maximum age of 70
At least 3 years in operation
You will need:
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).
For salaried customer:
3-month of the latest pay slips or bank statement signed and authorized stamp by the employer.
Evidence of employment
For self-employed customer:
Certified true copy of Fixed Deposit and 6-month bank statement
Copy of Business License.
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. warehouse rental.
In case of joint account, provable document to show both must sign is required.
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.
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.