An ANZ Personal Loan up to VND500million is a fast and convenient way to achieve your lifestyle needs and desires.
Whether you are planning to celebrate your dream wedding, renovate your house, buy a new motorbike, a well deserved holiday, or study abroad, an ANZ Personal Loan can make it happen.
Completing your dreams can now be easier
Enjoy 1.5% p.a discount rate & get up to VND 3mill with ANZ Personal Loan
Apply now till 31 August 2015 and enjoy special offers:
- Get 1% p.a discount rate for loan from VND 200mil.
- Enjoy up to VND 3mil cashback.
- Additional 0.5% discount on interest rate when successfully applying a "Pre-approved Credit Card for Personal Loan customers".
|Drawdown amount||VND80mil to VND119mil||VND120mil to VND199mil||From VND200mil|
Text TG to 8069 to register now.
Personal Loan Express Service – 24 hour approval
- Applications under Express Service will be processed and approved within 24 hours.*
|* Terms and Conditions|
Text ANZ to 8069 to join the express service.
Why ANZ Personal loan?
- Loan up to VND500,000,000
- Flexible loan tenors of up to 60 months
- Convenient payment through automatic debit
- Fast turnaround time for loan disbursement from 2-3 days
- Competitive interest rate, easy application process
- No property pledge or company guarantee required
- Instant cash by requesting an additional Personal Loan
- Complimentary Credit Card with 1st year annual fee waive*.
* Note: Cashback for 1st year annual fee is posted into credit card account if min 3 transactions are made at min VND300,000/time in 1 month since card issuance.
Contact us now
Call 1900 1276
- Application form for new Personal Loan customer (PDF 276kB)
- Apply for an additional Personal Loan (PDF 296kB)
Or leave your contact we will call to assist further.
Who are qualified for ANZ Personal loans?
- Vietnamese living in HCMC, Binh Duong or Hanoi, age of 21 and above
- Minimum income from VND8mil via bank statement, OR Own an unsecured credit card from other banks
- Employment with current company for 6 months or accumulated 1 year working experience.
From 20.5% p.a.
(on reducing balance)
Additional 0.5% discount when applying “Pre-approved ANZ Credit Card for Personal Loan customer.
Additional 0.5% on interest rate if applying and approved under PL Express Service.
|Transaction processing fee||Waived|
|Late payment interest||150% of prevailing interest rate on overdue amount from the due date|
|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|
Estimated Personal Loan monthly installment**
|12 months||24 months||36 months||48 months||60 months|
** 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.
Common questions about ANZ Personal loan
Q: 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.
Q: 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.
Q: 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
Q: What are the re-payment channels?
A: Monthly re-payment will be made through auto-debit from account at ANZ.
Q: 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.
Q: Can I make partial repayment?
A: No, any early repayment must be made in full and loan will be cancelled/closed.
Q: 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.
Q: 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
Q: 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
Q: 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
Q: 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.
Q: 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.
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