Superior Loan Features at MSB

Interest rate from only 8.99%

Attractive interest rate, fixed in the first 2 years

Particularly suit business owner’s needs

Allow business owner to use car loan as a loan for capital contribution

High loan to value ratio

Finance up to 90% loan to value

Up to 9-year tenor

Extended loan tenor, less financial burden

Get financing before vehicle registration certificate issued

Get disbursed as soon as appointment slip on receiving vehicle registration certificate provided by Public Security authority

Flexible installment plan

Repay interest monthly, repay principal monthly or every 2 months or every 3 months or repay 50% of principal amount equally on given period in initial 6 months


  • Age: from 20 to 65
  • Loan purpose: purchasing new car or offsetting/recouping cost of new car for you/your spouse/parent/sibling/child for commute purpose
  • Collateral: can be the vehicle in question/valuable paper/real estate
  • Vehicle to be purchased must be in use for less than 5 years, have 9 seats or less, have market value of minimum VND 200 million, not imported from China, Taiwan, India
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Frequently Asked Questions

The duration you borrow/owe money from other individuals/organizations (not including banks and finance companies), starting from the time the car is registered until loan request is sent to MSB.

It starts from the time car is registered for first time until loan request is sent to MSB. Durarion of use is rounded up to year.

A car that does not meet the conditions of a New Car.

Yes. You may partially or fully settle the loan before due date depending on your financial capacity. Early settlement fee is calculated based on prepaid principal amount. Most of MSB’s loan packages have early settlement fee waived from the fifth year onwards.

If principal outstanding/interest is not repaid or repaid partially on maturity date stipulated in credit agreement, late payment interest will apply as follows:

-          For overdue principal outstanding: 150% of normal interest rate levied on overdue principal outstanding in respective of number of days late

-          For overdue interest: 10% p.a. levied on overdue interest in respective of number of days late

Yes. Fire insurance for secured house/apartment/vehicle not only guarantees disbursement but also secures your benefits.

You need to prepare for collateral valuation fee. Based on collateral value, MSB determines your loan amount. This fee should be paid upon document submission to the bank. When application is approved, you need to prepare for notarization fee and security transaction registration fee to complete pledging before getting disbursement.

Yes. You can use your parents’ property to secure your loan at MSB.

Yes. MSB provides you and your family finances for personal consumption including tuition/travel/healthcare, etc. payments

EMI Calculator result is just an estimate for your reference. You will be advised with actual loan amount after you have submitted required documents as per MSB’s regulation.

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