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Unsecured loan bundle for salaried person

Superior Loan Features at MSB

Up to VND 2 billion limit

Up to VND 2 billion total unsecured limit – enjoy to the fullest

Competitive interest rate

Preferential MONTHLY rate at only 1% - reduced financial concern

Up to 60-month tenor

Manageable repayment, less financial worry

NO REQUIRED document for spouse

FAST approval process

Sign up for free consultation

Condition

  • Currently working for enterprises/organizations and getting paid by wire transfer
  • Age: from 20 to 55 for female, from 20 to 60 for male (extended to 65 in case of credit card product)
  • Labor contract with 12-month validity or permanent validity
  • At least 6 months in current job if you are employee and 3 months if you are executive (or minimum 2 years’ working experience)
  • Net monthly income: minimum VND 6 million

Apply for loan

    MSB Relationship Manager will contact you within 24 hours

Submit documents
  • Request for loan/Request for card issuance as per MSB’s template
  • Identification document: Identity card/passport
  • Residential document: Household Registration Book/Household confirmation/Temporary residence confirmation/KT3, etc.
  • Proof of income: labor contract, salary statement, etc.
Tariff
  • Early settlement fee for unsecured loan: 3% of prepaid principal amount in first year
  • 2% of prepaid principal amount from first year onwards
  • Overdraft fee: 0.5%*approved limit
  • Account management fee: 0.1%*approved limit (VND 220,000 cap)
  • Credit card fee varies across types of card
  • (*) These fees are subject to change from time time according to MSB’s regulation
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829158

Frequently Asked Questions

Customers can use assets such as Valuable Papers, Savings Book, Deposit Balance, Real Estate, Means of Transport to secure the loan.

You need to prepare for the collateral valuation fees. 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. Fire insurance for houses/apartments and vehicle insurance not only guarantees the loan for the Bank but also ensures the interests of customers.

The results displayed on the loan limit estimator are for reference only. The actual loan limit will be consulted specifically after the Customer provides enough loan documents in accordance with MSB regulations.

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.

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

You can secure Valuable paper, Savings book, Deposit balance, Real estate, Vehicle for your loan.

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.

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Support from loan experts

Hotline

19006083

(024) 3944 5566

Send us email via

CSKHCaNhan@msb.com.vn

 

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