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From 27 November 2024, the new versions of our app will no longer work on older versions of operating systems on Android and Apple devices. To continue to enjoy the latest features on your HSBC Vietnam app, please update your device's operating system to aOS 9 or iOS 15.0 or above. Skip page header and navigation Latest offers with HSBC Premier Premier support for overseas education Articles about studying abroad HSBC Premier World Mastercard® Credit Card Spend Instalment on HSBC Vietnam App Investment Linked Insurance Product - Pru-Flexinvest Financial Planning Foreign Exchange Special offers for study abroad Global View and Global Transfers HSBC International Student Program Financial wellbeing management Get sign-up gifts worth up to VND3.5m with your new HSBC TravelOne Credit Card Apply for an HSBC Cash Back Credit Card and get up to VND 2 m cashback! Live it up with an HSBC Live+ Credit Card – enjoy up to VND2.8m worth of sign-up gifts Pay no annual fee when you spend with your HSBC LiveFree Credit Card Latest offers with HSBC Premier Premier support for overseas education Articles about studying abroad HSBC Premier World Mastercard® Credit Card Spend Instalment on HSBC Vietnam App Investment Linked Insurance Product - Pru-Flexinvest Financial Planning Foreign Exchange Special offers for study abroad Global View and Global Transfers HSBC International Student Program Financial wellbeing management Get sign-up gifts worth up to VND3.5m with your new HSBC TravelOne Credit Card Apply for an HSBC Cash Back Credit Card and get up to VND 2 m cashback! Live it up with an HSBC Live+ Credit Card – enjoy up to VND2.8m worth of sign-up gifts Pay no annual fee when you spend with your HSBC LiveFree Credit Card A loan that gives you the access to funds Contact us click here to go to the contact us This link will open in a new window A home equity loan is a loan for a fixed amount of money that is secured by your home. With your changing needs, you can enjoy the flexibility of our attractive loan. Fast and easy arrangement of loans at competitive prices Mortgage loan amount of up to 60% of the house value Long loan tenor of up to 15 years Pay less through our reducing-balance option Explore key product details now Key product details for the Home Value home loan Fixed rates of up to 5 years then Variable rates will be applied The flexibility to make additional repayments could save you interest Diversified loan purposes in accordance with the laws and the Bank Key product details for the Home Value home loan Fixed rates of up to 5 years then Variable rates will be applied The flexibility to make additional repayments could save you interest Diversified loan purposes in accordance with the laws and the Bank 1 Loan to Value Ratio subject to HSBC's assessment and lending criteria. After the Fixed Period, Variable Rate will be applied. Mortgage interest rate might be lower if customer meet some conditions include: Premier,Payroll offers and hold other HSBC’ products. Variable rate = Prime Rate + Spread Variable rate = Prime Rate + Spread 2Prime Rates is an internal HSBC decided rates and may vary from time to time Home Loans Early Repayment fees Basing on early principal amount Basing on early principal amount After the Fixed Period, Variable Rate will be applied. Mortgage interest rate might be lower if customer meet some conditions include: Premier,Payroll offers and hold other HSBC’ products. Variable rate = Prime Rate + Spread Variable rate = Prime Rate + Spread 2Prime Rates is an internal HSBC decided rates and may vary from time to time Home Loans Early Repayment fees Basing on early principal amount Basing on early principal amount Usefulcalculators you may need Find out how much you pay monthly according to your loan amount, loan period and interest rate. Use this quick calculator to get an indication of the maximum amount you can borrow based on your income. Vietnamese individuals or Overseas Vietnamese. Monthly personal income of at least VND 10 million. Local residents living in Hanoi, HCMC, Dong Nai, Binh Duong, Long An, Ba Ria - Vung Tau, Tay Ninh, Bac Ninh, Vinh Phuc, Hung Yen, Hai Duong, Hai Phong, Danang, Hoi An City, Tam Ky , Hue City . Mortgaged property must be located in Hanoi, Ho Chi Minh City, Dong Nai, Binh Duong and minimum value is VND 800 million OR located in Danang and minimum value is VND 500 miilion. Household registration book / Temporary residence book. Copy of purchasing house ownership certificate. Copy of other asset ownership certificates . Product material for hsbc loans Download link Loan tariff to read the loan tariff details Download link Mortgage Credit Agreement – Vietnamese version Mortgage Credit Agreement – Vietnamese version to read the loan credit agreement in Vietnamese Download link Please make sure you've read the information under Things you should know section Contact us for HSBC's Home Equity Loan This link will open in a new window Lines are open 8am to 10pm daily. What are the current applicable interest rates? The current applicable lending interest rates are posted on our public website at https://www.hsbc.com.vn/en-vn/help/rates-and-fees/. You can choose an appropriate fixed period in accordance with your loan. After fixed period, floating rates will be applied. You can choose the applicable interest rate according to interest review cycle of 1 month, 3 months or 6 months. Consequently, your applicable interest rate may be adjusted following the agreed interest review cycle. During the processing of my application, do I have to pay any fee? Fees related to your application include: Property valuation fee of VND 1,890,000 at the minimum . Legal fee for notarization/security transaction registration service . Notarization fee and security transaction registration fee: subject to standard fee quoted by the local authority and paid directly by customer. Other applicable fees.Please refer to this link for more information What is the maximum amount that I can borrow? The loan amount will be reviewed and approved mainly based on the income, other lending liability and credit history. The loan amount can be up-to 70% of value of the secured property depending on types of housing loans. Please contact our Contact Center or visit any HSBC branch or transaction office for further support. Read full FAQs to read the full version of frequently asked questions on loans This link will open in a new window You might be also interested in Your income, savings and loan – all rolled into one. Make your plans a reality today. Fulfill your personal needs while being enjoy the attractive interest rates from fixed deposits. Start financing your dream home in an ideal way today. Write, call or send us a message Visit us at your nearest branch Find answers to your queries or contact us for further help Careers, media, investor and corporate information HSBC Group | © Copyright HSBC Bank Group 2002-2025 All rights reserved This website is designed for use in Vietnam. Cross-border disclosure