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.

ANZ Personal Loan Member Get Member

From 09 June to 08 August 2014, refer your friends and family to apply for an ANZ Personal Loan to get cash-back rewards up to VND1,000,000 for total successful referrals.
ANZ Personal Loan Member Get Member
  • VND300,000 cash-back for 1 drawdown from VND50million
  • VND650,000 cash-back for 2 drawdowns with VND50million minimum/drawdown
  • VND1,000,000 cash-back for 3 drawdowns with VND50million minimum/drawdown.

Refer now!

Telephone icon Text ANZTET <Referees’ names> <telephone numbers> to 8069.
 

Pre-approved ANZ Credit Card Program
Pre-approved ANZ Credit Card Program
  • Additional 0.5% discount when applying Pre-approved ANZ Credit card for Personal Loan customers.
  • Make your dreams come true with an ANZ Personal Loan today!

Apply now

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
  • Flexible top-up 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

Visit branch icon Visit your nearest ANZ branch
 

Telephone icon Call 1800 1559
 

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.

Interest rate:

From 18.5% p.a. (on reducing balance)

Additional 0.5% discount when applying "Pre-approved ANZ Credit Card for Personal Loan customer".

Fees Charges
Transaction Processing Fee* VND600,000
Late payment fee 2% of overdue amount or a minimum of VND150,000 + 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)
Top-up processing fee* VND600,000
Exception request fee VND100,000

* Note: fee waive for ANZ Executive Privilege and ANZ Payroll customers.

Estimated Personal Loan monthly installment**

Loan amount
(Million VND)
12 months 24 months 36 months 48 months 60 months
25 2,364,000 1,322,000 968,000 801,000 690,000
50 4,728,000 2,644,000 1,935,000 1,603,000 1,381,000
80 7,526,000 4,190,000 3,055,000 2,520,000 2,164,000
100 9,408,000 5,237,000 3,819,000 3,151,000 2,705,000
120 11,289,000 6,285,000 4,583,000 3,781,000 3,246,000
140 13,103,000 7,263,000 5,275,000 4,335,000 3,709,000
200 18,575,000 10,228,000 7,382,000 6,033,000 5,133,000

** 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.

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: 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 1800 1559, 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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