Common questions about ANZ Personal loan

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

A: It normally takes about 3 or 4 days for loan amount to be available in your ANZ account (if approved) after Bank receive your completed application and required documents. There will be confirmation letter sent to you via email for all the loan details. If you have any inquiries, you may call the sales person.

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

A: All documents submitted to the Bank (copies only) are rightfully owned by ANZ and will not be returned but kept for records.

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

A: The funds will be disbursed into the ANZ account and not to another account

4: What are the re-payment channels?

A: Monthly re-payment will be made through auto-debit from account at ANZ.

5: Can I cancel the loan after loan disbursement?

A: Yes, you can request cancellation of the Loan by sending a written request to the Bank. Any amount prepaid or cancelled must be made in full plus any accrued interest or fees in Vietnamese Dong on the proposed prepayment date. An early repayment or cancellation fee shall be charged at the rate of 5.00% (applied for the first 3 years) or 2.00% (applied from the 4th year onwards) of the remaining amount or VND1,500,000, whichever is higher.

6: Can I make partial repayment?

A: No, any early repayment must be made in full and loan will be cancelled/closed.

7: Can I do early payment at any branch? Do I need to inform bank before coming?

A: You can go to any branch or contact branches ROs/RMs to close the PL account before maturity. You will be advised the total payable amount and sign off the Personal Loan Customer Request Form. You may call the sales person before coming to branch.

8: When can I request an additional Personal Loan?

A: You can request an additional Personal Loan when the tenor of the current Personal Loan is equal or greater than 9 months

9: How much can I borrow of additional Personal Loan?

A: Minimum VND 25 million for new Personal Loan and outstanding balance of the current Personal Loan does not exceed VND 500 million

10: How can I receive the money of additional Personal Loan if approved?

A: The addition Personal Loan amount will be disbursed into the same ANZ transaction account which you pay for the current ANZ Personal Loan

11: If I want to request  for a standard service after getting the loan such as: confirm current PL outstanding balance, change the Repayment Date, re-issue DD letter, What should I do? What’s the required document?

A: You should inform the sales person, or call the hotline number 1900 1276, or visit the branch and fill in the Personal Loan Customer Request Form.

12: Which request will be applied Exception request fee?

A: The Exception request fee will be applied to any Customer service request. For example, Confirmation of CIC (credit history) record for customer to submit to other banks, certificate of letter on current loan outstanding balance,.. Exception request fee is VND100,000 per certificate.

You need Adobe Reader to view PDF files. You can download Adobe Reader free of charge.