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It’s as simple as a smile.

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It’s as simple as a smile.

Owning your dream car is more affordable

Now, owning your dream car is more affordable with Standard Chartered Auto Loan

Product benefits

Attractive offers

Be supported with many exciting  offers such as special interest rate programme

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Variety of interest rate options

Up to 3 years fixed interest rate.

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High loan limit

Loan amount up to 80% of car value.

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Flexible loan tenor

Loan tenor up to 72 months.

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Download application form

Product features

Prepayment fee is applicable for each interest rate option

INTEREST RATE OPTIONS
LOAN LIMIT
LOAN TENOR
Fixed interest rate option for 6, 12, 24, 36 months Loan amount is up to 80% Car value Up to 72 months
Floating interest rate option Maximum loan amount is VND 6.5 billion Flexible loan tenor: 12, 24, 36, 48, 60 months
Speak to Us today
Via email
Via SMS
Via Client Care Centre (24/7)
vaymuaxe.scb@sc.com Text ‘MUAXESC’ to 8069 (84-28) 39110000 (HCM)
(84-24) 36960000 (HN)
Client Eligibility
1. Borrower is Vietnamese OR foreigner who is resided in Vietnam and his/her spouse is Vietnamese.
2. Age 22 or older and at the loan maturity, borrower’s age is not over 55/60 (female/male) if borrower is an employee, or no more than 70 years old if the borrower is a business owner.
3. Primary borrowers and co-borrower(s) must be spouses, parents, siblings.
4. The borrower is a three-month official at the current job and has a two-year seniority record (for salaried clients); or 2 years of business operation (for business owner).
5. Minimum total monthly income is 18 million VND
Note: The final approval result for your loan depends on your full documentation and independent evaluation results for those records.
Interest Rate Information
1. Interest rate is calculated based on 365 days basis.
2. The applicable interest rate and interest amount for your loan are determined in accordance with the credit agreement signed between you and the Bank.
3. Interest will be calculated based on the actual outstanding balance of each disbursement or loan (depending on the case) from the date the Bank disburses until the actual payment date (excluding actual payment date).
3rd party fee
FEE
TARIFF
Asset valuation fee Free
Fee for National Registration Agency for Secured Transactions VND 105,000/ per request
Legal fee (pay to 3rd party service provider) Based on actual fee (if any)
Bank’s fees & charges (exclusive of 10% VAT)

Fees & charges are only for reference and subject to changes from time to time. For detailed information, please visit our nearest branch.

FEE & CHARGE TYPE
TARIFF
Late payment charge 150% of announced interest rate levied on Principal Outstanding on the daily basis
Prepayment fee (partial or full settlement) Subject to each interest rate scheme. Applicable in the first 3 years. From Year 4th onward: Free of charge
Change repayment account Free
Loan detail confirmation (outstanding loan balance, payment history) Normal clients :VND 100,000/ per request
Priority clients Free of charge
Credit document notarization fee As per Notary Office tariff and:

-For Car certificate: VND 100,000/ time/ max 5 copies

-For credit document (i.e Facility Agreement/ Mortgage Agreement,…): VND 100,000/ copy

Copy of loan document (with bank’s stamp) Normal client :VND 100,000/ per request
Priority client : Free of charge
Issuance of Car mortgage receipt fee Fee for issuance of a certificate of car registration:

Free of charge for 1st issuance of each period

Reissuance:

-Normal client: VND 100,000/ 5 copies;

-Priority client: Free of charge

Application process fee Free of charge
Required documents

Standard Chartered Bank Vietnam (“The Bank”) will send feedback regarding your loan application within 30 days from the date the Bank receives all necessary and valid documents from you.

FOR SALARISED INDIVIDUAL
FOR BUSINESS OWNER
1. Copy of ID / Passport (Applicable for Expatriate Vietnamese or Foreigner) 1. Copy of ID / Passport (Applicable for Expatriate Vietnamese or Foreigner)
2. Copy of Work permit and Temporary residence card/Visa for Viet Kieu/ Foreigner 2. Copy of Work permit and Temporary residence card/Visa for Expatriate Vietnamese/ Foreigner
3. Copy of permanent residence book/KT3/KT9 or temporary residence confirmation, utility bill… 3. Copy of permanent residence book/KT3/KT9 or temporary residence confirmation, utility bill…
4. Copy of Marital Status Certificate/ Single Certificate or Divorce Certificate/ or Death Certificate of Spouse 4. Copy of Marital Status Certificate/ Single Certificate or Divorce Certificate/ or Death Certificate of Spouse
5. Copy of Car Sell and Purchase Agreement/ Car quotation 5. Copy of business license and company chapter
6. Latest 3 months pay slips or bank statement with chop 6. Financial proof such as latest financial report, bank statement, VAT within 6 months.
7. Employment proof 7. Copy of Car Sell and Purchase Agreement/ Car quotation
8. Certificate of tax registration, certificate of stamp registration
9. Other income proof such as rental contract…
10. Client shares confirmation at current company (if require)

FREQUENTLY ASKED QUESTIONS