Interest rate:

From 18% p.a. 

(on reducing balance)

Additional 1% p.a. discount on applicable interest rate when applying online.

Additional 0.5% p.a. discount on applicable interest rate when successfully applying for an ANZ Credit Card.

Fee schedule
Fees Charges
Transaction processing fee Waived
Late payment interest

Not exceeding 150% over the applicable interest on Outstanding Balance

  • Late interest less than VND50,000: waived*
  • Max late interest charged: VND300,000*.
Early repayment fee 5% of outstanding balance for the first 3 years or 2% of outstanding balance for discharge from the 4th year onward (minimum VND1,500,000)
Exception request fee VND100,000

* Effective from November 21st 2016

Estimated Personal Loan monthly installment**
Loan amount
(Million VND)
12 months 24 months 36 months 48 months 60 months
25 2,364,000 1,322,000 981,000 815,000 719,000
50 4,680,000 2,594,000 1,858,000 1,522,000 1,325,000
80 7,488,000 4,150,000 2,973,000 2,434,000 2,120,000
120 11,231,000 6,225,000 4,460,000 3,652,000 3,179,000
140 13,103,000 7,263,000 5,203,000 4,260,000 3,709,000
160 14,975,000 8,301,000 5,946,000 4,869,000 4,239,000
200 18,719,000 10,376,000 7,230,000 5,875,000 5,079,000

** The calculation is estimated for illustrative purposes only; it does not constitute an actual approval of the loan amount or instalment amount. The estimated monthly instalment is rounded up to thousand dong.