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Promotion: Points reward with accumulation rate 0.5% spending (No limit for point accumulation)
Eligibility: Cardholder of Shinhan Finance The First Gold
Validity: 01/08/2022 – 31/12/2023 
<a href="/assets/news/TC-CHƯƠNG-TRÌNH-TÍCH-ĐIỂM.pdf" target="_blank" rel="noreferrer noopener">Read more</a>

Promotion: Points reward with accumulation rate 0.5% spending  (No limit for point accumulation)

MORE PURCHARE – MORE POINT REWARD

From Apr 01, 2024 to May 31, 2024, Shinhan Finance customers when make payment of loan and credit card balance via ZaloPay on iShinhan application will receive an attractive promotional code:
• Enter promotion code SVFC50, discount of 0.5% up to 50.000 VND for payments from 1,000,000 VND.
• The program may end earlier than expected when the promotional budget runs out.
• Each customer can apply the offer 01 times per month.
Click <a href="https://shinhanfinance.com.vn/assets/promotionTag/The-le-CTKM-Thanh-toan-ZaloPay_th%C3%A1ng-01.04-31.05.pdf" target="_blank" rel="noreferrer noopener">here</a>
for more information on the programs’ terms and conditions.
iShinhan is a mobile application that integrates comprehensive technology solutions on a digital platform. With this application, Customers can easily register and track the loan approval process with new preeminent utilities. iShinhan is currently using the e-KYC solution applied to the loan application process in customer identification. Thanks to the support of advanced technologies, Customers reduce the steps to provide information and have a better experience with Shinhan Finance's services.
Right on the iShinhan application, customers can not only register for Shinhan Finance's loan products, but also monitor the appraisal and underwriting process of their application and loan payment.
Create a Shinhan Finance loan management account on the iShinhan application to experience the full benefits and incentives. 
<figure><img src="/assets/news/iShinhan.png" alt="QR Code Shinhan Finance" /></figure>
Scan to download iShinhan app
Shinhan Finance

From Apr 01, 2024 to May 31, 2024, Shinhan Finance customers when make payment of loan and credit card balance via ZaloPay on iShinhan application will receive an attractive promotional code

MAKE PAYMENT VIA ZALOPAY – OFFER UP TO 50.000 VND

From April 01, 2024 to May 31, 2024, Shinhan Finance customers when make 1st
payment of credit card balance via MoMo or being a new follower of Shinhan Finance Business Page on MoMo app, will receive an attractive promotion:
<ul><li>Receive a 20,000 VND cashback gift, applicable transaction of credit card payment due via MoMo.</li><li>The program may end earlier than expected when the promotional budget runs out.</li><li>The promotional value will be refunded to MoMo e-wallet.</li></ul>
Click <a href="https://shinhanfinance.com.vn/assets/promotionTag/Th%E1%BB%83-l%E1%BB%87-CTKM-Thanh-toan-MOMO_th%C3%A1ng-4.2024.pdf" target="_blank" rel="noreferrer noopener">here</a>
for more information on the programs’ terms and conditions.
iShinhan is a mobile application that integrates comprehensive technology solutions on a digital platform. With this application, Customers can easily register and track the loan approval process with new preeminent utilities. iShinhan is currently using the e-KYC solution applied to the loan application process in customer identification. Thanks to the support of advanced technologies, Customers reduce the steps to provide information and have a better experience with Shinhan Finance's services.
Right on the iShinhan application, customers can not only register for Shinhan Finance's loan products, but also monitor the appraisal and underwriting process of their application and loan payment.
Create a Shinhan Finance loan management account on the iShinhan application to experience the full benefits and incentives. 
 
<figure><img src="/assets/news/iShinhan.png" alt="QR Code Shinhan Finance" /></figure>
Scan to download iShinhan app
Shinhan Finance

From April 01, 2024 to May 31, 2024, Shinhan Finance customers when make 1st payment of credit card balance via MoMo or being a new follower of Shinhan Finance Business Page on MoMo app, will receive an attractive promotion.

MAKE PAYMENT MOMO – CASHBACK UP TO 20.000 VND

From March 28, 2024 to April 05, 2024, customers (*) who successfully log in and make loan/ credit card payment transaction on the iShinhan mobile application will receive Grab e-code worth VND 30,000.
(*) Only apply for customers who receive notifications via Zalo message from the Shinhan Finance’s Zalo Official Account to participate this promotion program.
Each customer eligible for 01 (once) time per program.
For more information about Program Terms &amp; Conditions as <a href="https://www.shinhanfinance.com.vn/assets/promotionTag/TnC_Chuong-trinh-uu-dai-iShinhan_03.2024.pdf" target="_blank" rel="noreferrer noopener">here.</a>
iShinhan is a mobile application that integrates comprehensive technology solutions on a digital platform. With this application, the loan and credit card payment transaction process are encapsulated with 3 steps: 
<ul><li>Step 1: Select loan or card on due. 
Step 2: Select payment method.</li><li>Step 3: Authenticate to confirm payment. </li></ul>
From there, consumers enjoy a comprehensive mainstream financial service in a convenient, safe, and intuitive way through this application. At the same time, proactively controlling your entire financial situation, including loans and credit cards, to plan payments on time becomes easy with just a few simple and safe steps.
Let’s log in on the iShinhan application to experience the full benefits and incentives.<a href="https://www.shinhanfinance.com.vn/news/post/101602/thanh-toan-khoan-vay-tai-shinhan-finance-bang-vnpay-qr-nhan-ngay-uu-dai-15-000-vnd" target="_blank" rel="noreferrer noopener"></a> 


<figure><img src="/assets/news/iShinhan.png" alt="QR Code Shinhan Finance" /></figure>
<a href="https://www.shinhanfinance.com.vn/news/post/101602/thanh-toan-khoan-vay-tai-shinhan-finance-bang-vnpay-qr-nhan-ngay-uu-dai-15-000-vnd" target="_blank" rel="noreferrer noopener"></a> 
Shinhan Finance

From March 28, 2024 to April 05, 2024, customers (*) who successfully log in and make loan/ credit card payment transaction on the iShinhan mobile application will receive Grab e-code worth VND 30,000.

Making repayment on iShinhan, Receiving  e-voucher VND 30,000

In the digital age, accessing financial services has become easier and faster than ever. Online loan applications through mobile apps have become a popular choice due to their convenience, speedy processing, and high data security. In this article, Shinhan Finance will introduce you to the notable advantages, the process of online loan registration, and attractive interest rate information, enabling you to access capital in the easiest way possible.
<h3>Advantages of Online Borrowing:</h3>
Obtaining <a href="https://shinhanfinance.com.vn/en/news/post/97670/vay-tien-qua-ung-dung-dien-thoai-co-thuc-su-an-toan">loans online via apps</a>, through automated approval systems, not only brings many notable benefits but is also an appealing choice for customers due to several advantages:
<ul><li>Time saving: The registration and approval process is almost entirely automated, minimizing the waiting time for customers. Borrowers can make decisions about their loans quickly, with transparent information, and receive results within minutes.</li><li>Accessibility and convenience: With online borrowing, customers can easily access the capital they need from anywhere, if they have internet connectivity.</li><li>Fairness: The automated approval system ensures that each loan application is processed fairly and consistently, minimizing subjectivity and potential bias that may arise when decisions are made by humans.</li><li>Simple process: Online loan registration typically requires less information than traditional borrowing methods, supporting a quick and straightforward application submission.</li></ul>
Thanks to these advantages, automated online borrowing has become a preferred option for many individuals needing quick and convenient access to capital.
<h2>Popular methods of fast online borrowing:</h2>
When in need of fast and convenient borrowing, utilizing online platforms is a smart choice. Here are some ways you can register for loans quickly online, saving time for your financial needs:
<ol><li>Online Loan Apps:
Utilize mobile applications provided by licensed financial institutions to register for loans. Simply download the app, fill in the necessary information, and submit your loan request. This process usually takes only a few minutes, with immediate feedback.</li><li>Official Websites:
Directly access the official websites of financial institutions and use the online registration feature. Fill out the online registration form and submit your loan request.</li><li>Phone Calls or Online Chat: If you need assistance or have questions about the online loan registration process, you can directly contact financial institution support staff via phone or online chat. They will guide you through each step and provide detailed information to help you complete the registration process quickly and easily.</li></ol>
<h2>Interest rates for online loans via mobile apps:</h2><figure><img src="/assets/news/cach-vay-tien-online.png" alt="cách vay tiền online qua ứng dụng" /></figure>
When considering online borrowing, an important factor that borrowers often concern themselves with is the interest rate. Let's explore the special advantages that interest rates for loans via apps offer compared to traditional borrowing methods:
<ul><li>Interest rates for online loans via apps are often considered more flexible and competitive compared to traditional borrowing methods.</li><li>Online loan apps typically offer reasonable and reliable interest rates, reflecting the borrower's repayment ability and credit history.</li><li>The process of determining interest rates is often automated through risk assessment algorithms, optimizing the borrowing process, and ensuring fairness for both borrowers and financial service providers.</li><li>Transparency in disclosing interest rates and loan terms on the app helps borrowers better understand the associated costs and conditions of borrowing money.</li></ul>
If you prioritize fast, reputable online borrowing with attractive interest rates, don't overlook the iShinhan <a href="https://shinhanfinance.com.vn/en/product/personal-loan">online loan app</a> from Shinhan Finance. Not only does it offer a variety of loan products tailored to your needs, but the iShinhan app also allows you to easily check loan information, proactively remember payment deadlines, and quickly register for additional loans. 
Register for a loan quickly via the <a href="https://ishin.onelink.me/MfNr/jsjnxgip">iShinhan app</a>.
<h2>How to register for loans via the ishinhan app:</h2><figure><img src="/assets/news/vay-tien-online-duyet-tu-dong.png" alt="vay tiền online duyệt tự động Shinhan Finance" /></figure>
To apply for a loan at Shinhan Finance and use this loan package, customers only need to follow these steps:
<ul><li>Access the iShinhan app.</li><li>Submit your documents online, including photos of your ID card.</li><li>The loan approval process will be automated, without the need for human intervention. Therefore, the approval process is very quick, taking only about 15 minutes.</li></ul>
Additionally, when participating in loans at Shinhan Finance through the app, you need to perform face verification using Face Matching technology. This process requires you to turn your face to the left for the system to compare with the image on your ID card. When your profile is approved, you can receive online disbursement without having to go to a transaction office to receive money.
Thanks to technological advancements, registering for online loans via the iShinhan app has become easier and more convenient than ever. Not only does it help you save time, but it also provides a smooth and flexible borrowing experience. Take advantage of the iShinhan app today to experience the simplicity and convenience of online borrowing.
-----------------<h4>The fastest channels to register for a loan:</h4>
<ul>
 <li>Hotline: 1900 54 54 49 (press 2 – Loan consultation)</li>
 <li><a href="https://shinhanfinance.com.vn/leadform">Website Shinhan Finance</a></li>
 <li><a href="https://ishin.onelink.me/MfNr/jsjnxgip">iShinhan</a> financial management application</li>
 <li><a href="https://www.facebook.com/shinhanfinance.official.vietnam">Fanpage Shinhan Finance</a></li>
 <li>Directly at Shinhan Finance transaction counters: See the address <a href="https://shinhanfinance.com.vn/contact">details of Shinhan Finance branches</a>.</li>
</ul>
Sincerely,
Shinhan Finance

When in need of fast and convenient borrowing, utilizing online platforms is a smart choice. Online loan applications through mobile apps have become a popular choice due to their convenience, speedy processing, and high data security.

Borrowing money online made easy: tips for quick loan registration via iShinhan

In recent years, credit lending has increasingly become a prevalent financial instrument, elevating the standard of living, and catering to the personal needs of a vast majority of clientele. However, not all borrowers possess a comprehensive understanding of this lending modality, leading to applications with unlicensed financial entities or resorting to informal credit sources, consequently resulting in undesirably high interest rates. So, what exactly is credit lending, and what are its various forms? Shinhan Finance aims to provide an overarching perspective through the following discourse:
<h3>Comprehending credit loans</h3>
Credit loans, facilitated by banks and financial institutions, stand as a pivotal financial recourse for both individuals and enterprises. It enables borrowers to obtain funds to fulfill diverse needs, ranging from personal consumption to business expansion. The interest rates associated with credit loans, regulated by governmental bodies, ensure equitable and transparent dealings for both borrowers and lenders.
<h2>Opting for financial companies in credit lending</h2>
<figure><img src="/assets/news/vay-tin-dung-online-shinhanfinance.png" alt="vay tín dụng online" /></figure>
When deliberating on a reliable financial institution for <a href="https://shinhanfinance.com.vn/en/product/personal-loan">credit lending</a>, individuals often base their decisions on communal feedback or scouring through social media platforms. However, scant are those who possess the fundamental criteria for evaluating such entities. So, what benchmarks define the credibility and trustworthiness of a financial institution in the realm of credit lending?
A fundamental precondition for gauging a financial institution's reliability is the possession of operational licenses from regulatory authorities. Apart from licenses, reputable financial entities must unfailingly adhere to legal statutes and operate in accordance with prescribed protocols.
Unlike their illicit counterparts, reputable financial institutions transparently disclose borrowing conditions and interest rates, eschewing ambiguous language that may mislead prospective borrowers. Instead, they ensure public clarity regarding borrowing terms and interest rates, refraining from obscuring concepts or levying illicit fees and penalties.
For more details on borrowing <a href="https://shinhanfinance.com.vn/en/news/post/103701/vay-tin-dung-lai-suat-thap-shinhan-finance">conditions and interest rates</a>, visit Shinhan Finance.
In addition to the aforementioned factors, reputable financial institutions boast professional teams dedicated to providing guidance and addressing customer queries.
<h3>Common credit loans modalities:</h3>
<ul><li>Unsecured loans:
This form of credit lending entails borrowers not pledging any collateral. Lending decisions hinge upon financial credibility, credit history, income, and repayment capacity. <a href="https://shinhanfinance.com.vn/en/news/post/101699/vay-tin-chap-la-gi">Unsecured loans</a>, typically employed for personal consumption, education, travel, or healthcare, feature interest rates contingent upon the strength of the borrower's credit profile.</li><li>Installment loans:
In this arrangement, borrowers repay both principal and interest in regular <a href="https://shinhanfinance.com.vn/en/news/post/102960/vay-tra-gop-linh-hoat-va-tien-loi">installments</a> over the agreed-upon period. This not only alleviates financial burdens but also offers flexibility and convenience to borrowers.</li><li>Consumer loans:
Tailored for individuals seeking to acquire consumer goods and services such as vehicles, appliances, electronics, travel, education, and other personal needs. <a href="https://shinhanfinance.com.vn/en/news/post/103488/vay-tieu-dung-online-tai-cong-ty-tai-chinh-shinhan-finance">Consumer loans</a> may take the form of unsecured or secured loans, contingent upon the lender's conditions.</li></ul>
<h2>Understanding interest calculation:</h2>
<figure><img src="/assets/news/cach-vay-tin-dung-lai-suat-thap.png" alt="cách vay tín dụng lãi suất thấp" /></figure>
 The calculation of credit loan interest delineates the monthly interest obligations throughout the loan tenure. Present-day lending modalities embrace two methodologies for interest computation, as stipulated by governmental directives. Consequently, the interest rate tables for consumer loans may vary depending on the calculation method employed.
Interest Calculation based on Outstanding Principal:
Monthly Interest = Outstanding Principal * Loan Interest Rate / Loan Tenure
Interest Calculation based on Declining Balance:
<ul><li>First-month Interest = Loan Amount * Monthly Interest Rate / Loan Tenure </li><li>Subsequent Months' Interest = Remaining Principal Amount * Loan Interest Rate / Loan Tenure</li></ul>
It's discernible from the afore-mentioned formulas that loan tenure directly influences interest rates. Extended loan tenures correspond to higher interest rates. As a rule of thumb, opting for loan tenures ranging from 18 to 24 months optimizes the interest rate tables. Additionally, early payment planning is advisable to circumvent financial pressures during the loan tenure.
To facilitate easy comparison of interest rate tables for credit loans across different loan tenures, financial institutions provide online tools for interest calculation. Leveraging such tools enables borrowers to select low-interest credit loan packages tailored to their needs.
<h3>Opting for a reputable financial institution for loan applications: maximizing peace of mind support</h3>
For borrowers seeking a trustworthy avenue for loan applications, Shinhan Finance stands as the epitome of optimal financial support, offering customers the confidence to apply for loans catering to their personal life needs. The <a href="https://shinhanfinance.com.vn/en/product">loan products at Shinhan Finance</a> furnish customers with attractive benefits, including:
<ul><li>Diverse loan packages tailored to customer needs, spanning vehicle purchases, home repairs, travel, education, or healthcare. </li><li>Competitive interest rates prevail in the market. </li><li>Expedient procedures facilitated by staff offering maximum customer support. </li><li>Numerous preferential programs facilitating easy and convenient access to loans.</li></ul>
----------------------
The fastest channels to register for a loan:
<ul>
 <li>Hotline: 1900 54 54 49 (press 2 – Loan consultation)</li>
 <li><a href="https://shinhanfinance.com.vn/leadform">Website Shinhan Finance</a></li>
 <li><a href="https://ishin.onelink.me/MfNr/jsjnxgip">iShinhan</a> financial management application</li>
 <li><a href="https://www.facebook.com/shinhanfinance.official.vietnam">Fanpage Shinhan Finance</a></li>
 <li>Directly at Shinhan Finance transaction counters: See the address <a href="https://shinhanfinance.com.vn/contact">details of Shinhan Finance branches</a>.</li>
</ul>
Sincerely,
Shinhan Finance

Unsecured loans: This form of credit lending entails borrowers not pledging any collateral. Lending decisions hinge upon financial credibility, credit history, income, and repayment capacity.

LOW-INTEREST CREDIT LOANS AND THINGS TO KEEP IN MIND

In a potentially risky environment, with just one minute of inattention or lack of vigilance, users can lose/ leak data of themselves and the company, causing unnecessary consequences.
Negligence in protecting information and data.
According to the Ministry of Public Security, one of the causes of information disclosure is that users are not aware of protecting personal data; disclosed during the process of transfer, storage, and exchange for business activities; or exposed due to inadequate protection measures.
Individuals who disclose corporate information and data will not only affect their own reputation, but also greatly affect customer trust and brand reputation. In serious cases, disclosing illegal information, individuals will be subject to penalties according to the law. Therefore, each person needs to raise awareness in protecting their own data/information and that of the business where their company.
Ways to limit information and data leaks.
According to Mr. Nguyen Van Tuan - Deputy Team Head of Information Risk Management Department of Shinhan Finance: "To limit the loss/ leakage of personal information, company’s data, some habits, should practice at work such as: Consider before printing out documents containing customer information/ personal information/ information that needs to be protected... Printouts containing customer information/ personal information / sensitive information must be revoked immediately. And when sending emails with files containing customer information personal information/sensitive information..., this file must be protected with a password and the password must be sent to the recipient via another channel. Avoid opening emails from unknown sources, especially emails that request personal information or bank accounts... You should also use a STRONG password (including uppercase characters, lowercase letters, and lowercase letters, numerical, special characters, length not less than 8 characters) to log in to the computer, protect files, log in to other systems if any and should change passwords periodically or as soon as there is a suspicion that the password is broken unforeseen.”
“If customer/Company data is disclosed illegally, not only will data be lost but also trust with customers and partners will be lost.” - Mr. Tuan emphasized.
In a context of many potential risks, each person needs to raise awareness of self-protection of personal and Company information and data to avoid unnecessary risks and losses.

Protecting personal information and company’s data is extremely important for every employee, organization, and business.

How to protect personal information and company’s data

From April 05, 2024, to May 31, 2024, Shinhan Finance customers, who make repayment via VNPAY-QR on iShinhan, will receive an attractive promotional code:
<ul><li>Enter code VNPAYSF2024, get a discount of VND 15,000 for repayment from VND 1,000,000.</li><li>The promotional value will be deducted to a payment amount during a successful transaction.</li><li>Each customer (corresponding to each bank account number and/or phone number registered for Mobile Banking service) is limited to a maximum of two uses per month.</li></ul>
Note:
<ul><li>The program is exclusively applicable to customers who settle their financial payment amounts through VNPAY-QR within iShinhan.</li><li>Offer does not apply to refunds or cancellations.</li></ul>
Click <a href="https://www.shinhanfinance.com.vn/assets/promotionTag/TnC-uu-dai-VNPAY_thang-4-5.2024.pdf" target="_blank" rel="noreferrer noopener">here</a> for more information on the programs’ terms and conditions.
iShinhan is a mobile application that integrates comprehensive technology solutions on a digital platform. With this application, Customers can easily register and track the loan approval process with new preeminent utilities. iShinhan is currently using the e-KYC solution applied to the loan application process in customer identification. Thanks to the support of advanced technologies, Customers reduce the steps to provide information and have a better experience with Shinhan Finance's services.
Right on the iShinhan application, customers can not only register for Shinhan Finance's loan products, but also monitor the appraisal and underwriting process of their application and loan payment.
Create a Shinhan Finance loan management account on the iShinhan application to experience the full benefits and incentives.
Scan to download iShinhan app 
<figure><img src="/assets/news/iShinhan.png" alt="QR Code Shinhan Finance" /></figure>
 Shinhan Finance

From April 05, 2024, to May 31, 2024, Shinhan Finance customers, who make repayment via VNPAY-QR on iShinhan, will receive an attractive promotional code.

Make Shinhan Finance’s repayment via VNPAY-QR – Receive a discount of VND 15,000

<table>
 <tbody><tr>
 <td width="366" valign="top">From Mar 19, 2024 to Mar 31, 2024, Shinhan Finance customers when make payment of loan and credit card balance via ZaloPay on iShinhan application will receive an attractive promotional code:
Enter promotion code SVFC20K, discount of 20,000 VND for payments from 4,000,000 VND.
<ul><li>The promotion program is implemented from 19/03/2024 to 31/03/2024.</li></ul>
<ul><li>The number of code entries is limited to 120 times/day</li><li>The program may end earlier than expected when the promotional budget runs out.</li><li>Each customer can apply the offer 01 time during the program.</li></ul>
Click <a href="https://shinhanfinance.com.vn/assets/site/Th%E1%BB%83-l%E1%BB%87-CTKM-Thanh-toan-ZaloPay_th%C3%A1ng-3.2024.pdf" target="_blank" rel="noreferrer noopener">here</a>
for more information on the programs’ terms and conditions.
iShinhan is a mobile application that integrates comprehensive technology solutions on a digital platform. With this application, Customers can easily register and track the loan approval process with new preeminent utilities. iShinhan is currently using the e-KYC solution applied to the loan application process in customer identification. Thanks to the support of advanced technologies, Customers reduce the steps to provide information and have a better experience with Shinhan Finance's services.
Right on the iShinhan application, customers can not only register for Shinhan Finance's loan products, but also monitor the appraisal and underwriting process of their application and loan payment.
Create a Shinhan Finance loan management account on the iShinhan application to experience the full benefits and incentives.
Scan to download iShinhan app<figure><img src="/assets/news/iShinhan.png" alt="QR Code Shinhan Finance" /></figure>
Shinhan Finance</td>
 </tr>
</tbody></table>

Từ ngày 19 tháng 03 năm 2024 đến ngày 31 tháng 03 năm 2024, các khách hàng của Shinhan Finance khi thanh toán khoản vay và thẻ tín dụng của Shinhan Finance trên ứng dụng di động iShinhan qua ví ZaloPay sẽ nhận được mã khuyến mại hấp dẫn.

MAKE PAYMENT VIA ZALOPAY – OFFER UP TO 20.000 VND

Online payment methods are becoming increasingly common in everyday life, offering convenience and speed. Keeping pace with this trend, financial institutions and banks have introduced credit card products that meet user needs. The advent of credit card installment purchase services has drawn significant interest from consumers. So, what is buying in installments online entail? Join Shinhan Finance to explore this credit card installment method and the benefits it brings. 
<h2>What is buying in installments through a credit card?</h2><figure><img src="/assets/news/mo-the-tin-dung-shinhanfinance.png" alt="đăng ký thẻ tín dụng online" /></figure>
Buying in installments through an online credit card is a feature that allows you to immediately purchase your favorite products or services without having to pay the full cost upfront. Instead, the purchase amount is divided into smaller payments and paid monthly over flexible installment plans up to 48 months. This helps buyers reduce immediate financial burden and enjoy the benefits of using the product or service without worrying about paying a large amount of money upfront. 
<h2>Considerations when make installments with credit card</h2>
Buying in installments through an <a href="https://shinhanfinance.com.vn/en/product/card/credit-card">online credit card</a> at Shinhan Finance offers many practical benefits:
<ul>
 <li>Cost savings: Reduce short-term financial pressure with flexible installment terms.</li>
 <li>Increased financial flexibility:
 Provides quick access to products or services without worrying about full payment upfront.</li>
 <li>Cash usage in emergency situations: Maintains the availability of cash for other urgent needs. </li>
</ul>
However, buying in installments with a credit card can have disadvantages if not used correctly.
<ul>
 <li>Not all products or services offer installment payments, and not all are available through credit card installments. Therefore, you should carefully read the installment terms before making a purchase.</li>
 <li>The transaction value of the installment you perform must be less than the credit limit of the card. You should check your credit limit before making a payment.</li>
 <li>Your credit account has been activated and does not violate the policies of the issuing institution.</li>
 <li>Additionally, buyers who pay in installments with a credit card should also be aware of associated fees. Besides interest rates, if any, you may also incur a conversion fee depending on the type of card and the financial institutions involved.</li>
</ul>
<h2>Guide to buying in installments through Shinhan Finance's THE FIRST credit card</h2><figure><img src="/assets/news/the-tin-dung-tra-gop.png" alt="trả góp qua thẻ tín dụng online Shinhan Finance" /></figure>
Is buying online through a credit card difficult, and how is it done? Shinhan Finance guides you through the steps for <a href="https://shinhanfinance.com.vn/en/installment">online installment purchases</a> with your credit card in the following content, check it out now:
+For 0% interest installment purchase services for goods/services: 
Step 1: Customers shop for goods or services at partner brands with transaction values from 3,000,000 VND.
Step 2: Register for installments using the following methods:
<ul>
 <li>Buying directly at the store: Pay with Shinhan Finance credit card. Then, notify the staff and fill out the installment registration form.</li>
 <li>Online shopping: Choose the 0% interest installment option and pay with the Shinhan Finance credit card. </li>
</ul>
Step 3: Once the transaction has been successfully converted to an installment, the customer will receive a notification message from Shinhan Finance. 
+For cash withdrawal installment services: Case 1: Customers register for installments when creating a cash withdrawal code on iShinhan with a <a href="https://www.shinhanfinance.com.vn/assets/promotionTag/Introduction_CW_VirtualCard_website_vn.pdf">virtual credit card</a>. When customers withdraw money at a VPBank counter with the cash withdrawal code created, the transaction will be automatically registered for installment with the selected term.
Case 2: Customers register for installments after performing a cash withdrawal at an ATM with a physical credit card or at a VPBank counter with a virtual credit card, can be done in 2 ways: 
Option 1: Register via the iShinhan app.
<ul>
 <li>Log in to the iShinhan application and select the credit card.</li>
 <li>Choose "Register for installments"</li>
 <li>Select cash withdrawal transactions and the installment term.</li>
 <li>Check the information and send the registration request.</li>
</ul>
Option 2: Call the hotline 1900545449 for support.
Once the transaction has been successfully converted to installment, the customer will receive a notification from Shinhan Finance. 
Don't let financial worries stop you from fulfilling your desires. Discover now the installment options through Shinhan Finance credit cards to make your shopping plans a reality in the smartest and most cost-effective way. Start your journey of financial flexibility with Shinhan Finance today!<h4>The fastest channels to register for a loan:</h4>
<ul><li>Hotline: 1900 54 54 49 (press 2 – Loan consultation)</li><li><a href="https://shinhanfinance.com.vn/leadform">Website Shinhan Finance</a></li><li><a href="https://ishin.onelink.me/MfNr/jsjnxgip">iShinhan</a> financial management application</li><li><a href="https://www.facebook.com/shinhanfinance.official.vietnam">Fanpage Shinhan Finance</a></li><li>Directly at Shinhan Finance transaction counters: See the address <a href="https://shinhanfinance.com.vn/contact">details of Shinhan Finance branches</a>.</li></ul>
Sincerely,
Shinhan Finance

Online payment methods are becoming increasingly common in everyday life, offering convenience and speed. Keeping pace with this trend, financial institutions and banks have introduced credit card products that meet user needs. Buying in installments through an online credit card is a feature that allows you to immediately purchase your favorite products or services without having to pay the full cost upfront.

Paying Installments Through Online Credit Cards: A Flexible Financial Solution for Every Need

When deciding to search for a reliable financial company offering unsecured loans, we often base our choices on general reviews from those around us or seek information on social media platforms. In reality, very few customers are aware of the basic criteria for evaluating a financial company's credibility. So, what are the criteria for assessing the credibility and reliability of a financial company providing <a href="https://shinhanfinance.com.vn/en/product/personal-loan">unsecured loans</a>? Please read the following article to gain a detailed understanding of the criteria for evaluating the credibility of a financial company offering unsecured loans:<h2>1. Based on certifications and Legal Aspects</h2><figure><img src="/assets/news/vay-tin-chap-shinhanfinance.png" alt="vay tín chấp công ty tài chính Shinhan Finance" /></figure>
One of the prerequisites in determining the trustworthiness of a financial company is whether it has obtained operating licenses from regulatory agencies or not. According to the State Bank of Vietnam, there are currently 16 licensed financial companies operating in Vietnam. Among these, Shinhan Finance is one of the top choices that customers trust. Aside from the operating license, the credibility of a financial company also relies on compliance with legal regulations and adherence to proper procedures.
<h2>2. Development history and Market Reliability of the company</h2>
Financial companies with a long-standing presence in the finance industry will be a significant advantage when customers decide. Companies prioritized should have operated for over 10 years with commitments and achievements demonstrated through social contributions and community activities. For instance, Shinhan Finance, during its 17 years of operation, has made financial services easily accessible through a network of 10 branches, 26 service introduction points, a team of over 6,000 employees, and sales representatives nationwide. Moreover, Shinhan Finance has built trust within the community through meaningful activities like the "Dreams' Library" project, Good Hallyu project, or the humanitarian blood donation program "Blood for the Community."
<h2>3. Transparent Loan Conditions and Interest Rates</h2><figure><img src="/assets/news/cong-ty-tai-chinh-cho-vay-tin-chap_2024-03-18-042341.png" alt="công ty tài chính cho vay tín chấp" /></figure>
With loan sharks, transparent loan conditions and interest rates are often neglected or expressed in misleading terms that confuse customers. However, trustworthy financial companies ensure transparent loan conditions and interest rates, refraining from imposing unlawful additional fees or penalties. 
Learn more about loan conditions and <a href="https://shinhanfinance.com.vn/en/news/post/103701/vay-tin-dung-lai-suat-thap-shinhan-finance">interest rates at Shinhan Finance</a>.
<h2>4. Customer Service and Support</h2><figure><img src="/assets/news/cong-ty-tai-chinh-cho-vay_2024-03-18-042433.png" alt="công ty tài chính cho vay uy tín" /></figure>
In addition to the mentioned criteria, reputable financial companies always maintain a team of professional employees providing advice and resolving customer inquiries. At Shinhan Finance, we commit to delivering flexible and convenient financial solutions. With a professional foundation and an experienced team, we pride ourselves as a leading provider of unsecured loans. 
Why choose a trusted financial company like Shinhan Finance? 
Competitive Interest Rates: We offer loan packages with competitive and flexible interest rates suitable for various customer needs. Minimum interest rates starting from 18% per year calculated on the reducing balance (Terms and Conditions apply) Loan amount up to 12 times the monthly income and a maximum of 300 million VND for personal consumption purposes Loan term from a minimum of 12 months to a maximum of 48 months. 
Simple Procedures: The loan application process is quick and convenient, saving you time and effort. 
Fast Approval: We ensure swift and efficient loan processing, granting access to capital as quickly as possible. 
Disbursement within 48 hours after approval Outstanding Services: Besides offering unsecured loans, we ensure that all information and notifications related to the loan process are transparent and clear. With the iShinhan financial management application, customers can access loans, credit cards, etc., anytime, anywhere. In 2022, this app was honored as "Top 10 Credit in Vietnam - in the Digital Finance, Digital Technology Products, Education sector." 
Don't hesitate to contact us today to learn more about our flexible and convenient unsecured loan products. Shinhan Finance is ready to support and advise you in obtaining the financial resources you need. Trust and quality with humane finance is the commitment that Shinhan Finance brings to each customer."<h4>The fastest channels to register for a loan:</h4>
<ul><li>Hotline: 1900 54 54 49 (press 2 – Loan consultation)</li><li><a href="https://shinhanfinance.com.vn/leadform">Website Shinhan Finance</a></li><li><a href="https://ishin.onelink.me/MfNr/jsjnxgip">iShinhan</a> financial management application</li><li><a href="https://www.facebook.com/shinhanfinance.official.vietnam">Fanpage Shinhan Finance</a></li><li>Directly at Shinhan Finance transaction counters: See the address <a href="https://shinhanfinance.com.vn/contact">details of Shinhan Finance branches</a>.</li></ul>
Sincerely,
Shinhan Finance

When deciding to search for a reliable financial company offering unsecured loans, we often base our choices on general reviews from those around us or seek information on social media platforms. In reality, very few customers are aware of the basic criteria for evaluating a financial company's credibility. So, what are the criteria for assessing the credibility and reliability of a financial company providing unsecured loans?

Financial Company Providing Unsecured Loans - Trusted Financial Partner

Consumer loans are a safe and popular financial option for ordinary workers, helping them address urgent financial issues related to their lives. However, not everyone understands the necessary conditions and procedures to quickly access this type of loan. In this article, Shinhan Finance will provide detailed information to help people better understand the process of obtaining unsecured consumer loans without collateral.
<h3>Easily Understandable Concept of Unsecured Consumer Loans</h3>
Unsecured consumer loans, also known as loans without collateral, are a type of loan where you do not need to provide any specific asset as collateral for the loan. Instead, banks or financial institutions will assess your repayment capacity based on income, salary, credit history, and other factors to determine loan approval.
Unsecured loans typically have higher interest rates compared to secured loans backed by assets such as real estate mortgages or car loans, to compensate for the higher risk posed to banks or financial institutions. Therefore, when planning to apply for an <a href="https://shinhanfinance.com.vn/en/product/personal-loan">unsecured consumer loan</a>, you should carefully consider and ensure that you have the ability to repay the debt on time to avoid prolonged debt situations and negative impacts on your credit history.
<h2>Can Ordinary Workers Obtain Unsecured Consumer Loans?</h2>
Many people wonder, "Can ordinary workers get unsecured consumer loans?" The answer is yes, ordinary workers can also be approved for unsecured consumer loans. However, approval depends on various factors such as income, credit history, and other factors. 
<figure><img src="/assets/news/vay-von-tieu-dung.png" alt="vay tiêu dùng Shinhan Finance" /></figure>
Common conditions for obtaining unsecured consumer loans from financial institutions or bank
<ul><li>Banks or financial institutions usually require a stable income to ensure that you can repay the debt.</li><li>The borrower's credit history is an important factor in approving unsecured consumer loans. Ordinary workers may also have a positive credit history if they have used financial services such as credit cards or previous loans.</li><li>Income verification documents: You may need to provide income verification documents such as pay stubs, labor contracts, and other documents to prove your income.</li><li>Age, residency: These are also factors to consider when approving loan applications.</li></ul>
If you are an ordinary worker and want to apply for an unsecured consumer loan, you should contact banks or financial institutions directly for more detailed information about specific conditions and requirements.
<h2>What Should Customers Pay Attention to for Quick Loan Approval?</h2>
<figure><img src="/assets/news/vay-tieu-dung-online_2024-03-15-082713.png" alt="vay tiêu dùng online" /></figure>
Choose a Reliable Bank or Financial Institution: Choosing a reputable financial institution is likely to expedite the processing of your application. If you already have an account or use a credit card there, it will further assist in the approval process.
Consider Financial Requirements: Ensure that you meet all financial requirements of the bank or financial institution. This includes income, credit history, and other necessary documents.
Fill out the Application Form Completely and Accurately: Ensure that you fill out the loan application form completely and accurately. Any errors may delay the processing.
Provide Supporting Evidence and Documents: When requested to provide income, address, and other information by the bank, providing complete and clear documents will expedite the verification process.
Keep in Touch with the Bank or Financial Institution: Monitor the progress of your loan application and be prepared to provide additional information if needed through the person in charge of your file (salesperson) to speed up the process.
Improve Credit History (if necessary): If your credit score is not good, consider ways to improve it in the future. This may include paying on time, reducing debt, and maintaining a positive credit history.
Choose the Right Loan Term and Amount: Choose a loan term and amount that you can afford to repay monthly without causing financial pressure.
Use Digital Channels: Many banks and financial institutions have transitioned to online systems for loan processing. Using digital channels such as this app can help shorten the processing time. Check out Shinhan Finance's <a href="https://shinhanfinance.com.vn/en/news/post/89079/shinhan-finance-trien-khai-co-che-phe-duyet-tu-dong-san-pham-vay-tin-chap-sieu-toc-qua-ung-dung-di-dong-ishinhan">iShinhan app</a>.
However, always remember that although you can take measures to expedite the processing, loan approval still depends on various factors such as economic conditions, policies of financial institutions, and your financial profile.
<h4>The fastest channels to register for a loan:</h4>
<ul><li>Hotline: 1900 54 54 49 (press 2 – Loan consultation)</li><li><a href="https://shinhanfinance.com.vn/leadform">Website Shinhan Finance</a></li><li><a href="https://ishin.onelink.me/MfNr/jsjnxgip">iShinhan</a> financial management application</li><li><a href="https://www.facebook.com/shinhanfinance.official.vietnam">Fanpage Shinhan Finance</a></li><li>Directly at Shinhan Finance transaction counters: See the address <a href="https://shinhanfinance.com.vn/contact">details of Shinhan Finance branches</a>.</li></ul>
Sincerely,
Shinhan Finance

Consumer loans are a safe and popular financial option for ordinary workers, helping them address urgent financial issues related to their lives. Unsecured consumer loans, also known as loans without collateral, are a type of loan where you do not need to provide any specific asset as collateral for the loan.

Flexible Financial Solution: Unsecured Consumer Loans for Workers

In today's life, we sometimes face sudden financial needs that our current savings cannot fulfill. Cash loans become a solution many choose. However, before borrowing, carefully consider and check the specific terms to ensure you can repay without difficulty, and especially choose the right financial institution with a reputation for trustworthiness, being wary of the sophisticated financial scams prevalent today. 
<h2>What is a cash loan?</h2>
 A cash loan is a financial form where a bank or financial institution allows you to borrow a certain amount of money, which you need to repay along with interest over an agreed period through a contract and related documents. 
<h2>Conditions for a cash loan </h2>
<figure><img src="/assets/news/vay-tien-mat-tieu-dung.png" alt="vay tiền mặt nhanh Shinhan Finance" /></figure>
One of the popular forms of cash loans today is <a href="https://shinhanfinance.com.vn/en/product/personal-loan">salary-based unsecured loans</a> . The conditions for salary-based unsecured loans may vary depending on the bank, credit institution, or specific financial establishment. However, below are some common conditions that borrowers must meet when wanting to apply for a salary-based unsecured loan:
1. Stable and verifiable income:
Fixed income: Borrowers need to prove they have a stable income from salaries or other fixed income sources. Ensure to provide documents, salary bills, employment contracts, or other documents proving monthly income.
2. Age conditions:
Typically, from 20 to 60 (or 65) years old is the suitable age group for borrowing, adjustable by the financial institution – bank.
3. Good credit history:
Banks or financial institutions require a good credit record from each individual borrower to ensure repayment capability.
4. Employment:
Some lending organizations will require the borrower to have a certain period of work at the current company or have a stable work history.
5. Personal and legal procedures:
Personal profile: Includes ID card, household registration, electricity, water bills... Work profile: Documents related to work and income such as employment contracts, salary statements, social insurance...
6. Nature of the loan: The loan amount can affect various other neccessary conditions, sometimes larger loans may require stricter conditions. 
<h2>Trusted cash loans at Shinhan Finance</h2>
<a href="https://shinhanfinance.com.vn/en/product/personal-loan">Cash loans</a> at Shinhan Finance are known as a reputable financial solution, offering customers quick and convenient access to capital without the need for collateral. Shinhan Finance, with its long-standing reputation and experience in the financial sector, always strives to provide loan services with simple conditions and processes, helping customers solve personal financial needs from improving life quality, business investment to other purposes like travel or education. 
The unsecured loans from Shinhan Finance come with competitive interest rates, which helps lessen the financial burden for the borrower. The team of financial consultants at Shinhan Finance is always ready to advise and support customers in choosing the most suitable loan package for their needs and financial capabilities, while also guiding them in detail about the loan process, fees, and interest rates so customers can make informed decisions. 
Choosing a cash loan at <a href="https://shinhanfinance.com.vn/en/product">Shinhan Finance</a> not only quickly resolves personal financial issues but also offers a professional, transparent, and dedicated service experience. Shinhan Finance prides itself on being a reliable financial partner, supporting customers at every step of their economic development and enhancing their quality of life. 
<h2>Monthly installment interest rates for cash loans </h2>
<figure><img src="/assets/news/vay-tien-mat-lai-suat-thap-shinhanfinance.png" alt="vay tiền mặt lãi suất thấp" /></figure>
At Shinhan Finance, the monthly installment cash loan program is designed to offer maximum flexibility to customers, with competitive interest rates. This service allows customers to quickly access financial resources, supporting personal financial needs from education, healthcare to home improvement or shopping. The loan interest rate is calculated based on the loan amount and repayment period, with flexible terms ranging from a few months to several years, depending on the needs and financial capabilities of each customer. Shinhan Finance commits to transparency in all information about interest rates and fees, helping customers have a clear view of the loan and plan their personal finances effectively. 
Borrowing cash at Shinhan Finance is a safe and efficient financial choice for those who need quick access to funds without collateral. It's important to read the terms carefully and choose the interest rate and repayment term that match your financial capacity. Don't forget to contact Shinhan Finance directly for detailed advice and the best support!
<h4>The fastest channels to register for a loan:</h4>
<ul><li>Hotline: 1900 54 54 49 (press 2 – Loan consultation)</li><li><a href="https://shinhanfinance.com.vn/leadform">Website Shinhan Finance</a></li><li><a href="https://ishin.onelink.me/MfNr/jsjnxgip">iShinhan</a> financial management application</li><li><a href="https://www.facebook.com/shinhanfinance.official.vietnam">Fanpage Shinhan Finance</a></li><li>Directly at Shinhan Finance transaction counters: See the address <a href="https://shinhanfinance.com.vn/contact">details of Shinhan Finance branches</a>.</li></ul>
Sincerely,
Shinhan Finance

A cash loan is a financial form where a bank or financial institution allows you to borrow a certain amount of money, which you need to repay along with interest over an agreed period through a contract and related documents.

Cash Loan Handbook: For the Safest and Most Effective Choice

Từ ngày 20 tháng 03 năm 2024 đến ngày 31 tháng 05 năm 2024, các khách hàng của Shinhan Finance khi thanh toán khoản vay trên ứng dụng di động iShinhan qua cổng thanh toán VNPAYQR sẽ nhận được mã khuyến mại hấp dẫn:
<ul><li>Nhập mã VNPAYSF2024, giảm ngay 15.000 VNĐ cho các khoản thanh toán từ 1.000.000 VNĐ</li><li>Giá trị khuyến mại sẽ được trừ trực tiếp vào giá trị giao dịch thanh toán của khách hàng khi thực hiện thanh toán thành công.</li><li>Mỗi khách hàng (tương ứng với mỗi số tài khoản ngân hàng và/hoặc số điện thoại đăng ký dịch vụ Mobile Banking) được sử dụng mã khuyến mại tối đa dùng 02 lần/tháng.</li></ul>
Lưu ý:
<ul><li>Chương trình chỉ áp dụng cho Khách hàng thanh toán giá trị hóa đơn tài chính qua VNPAY-QR trên ứng dụng iShinhan.</li><li>Ưu đãi không áp dụng cho các giao dịch hoàn, hủy.</li></ul>
Thông tin chi tiết về Điều kiện và Điều khoản của Chương trình.
iShinhan là một ứng dụng di động tích hợp các giải pháp công nghệ toàn diện trên nền tảng kỹ thuật số. Với ứng dụng này, Khách hàng dễ dàng đăng ký và theo dõi tiến trình duyệt khoản vay cùng các tiện ích mới ưu việt. iShinhan hiện đang sử dụng giải pháp e-KYC ứng dụng vào quá trình đăng ký vay trong việc định dạng khách hàng. Nhờ sự hỗ trợ của các công nghệ tiên tiến, Khách hàng giảm bớt các thao tác cung cấp thông tin và có trải nghiệm tốt hơn đối với dịch vụ của Shinhan Finance.
Ngay trên ứng dụng iShinhan, Khách hàng không những có thể đăng ký các sản phẩm vay của Shinhan Finance mà còn theo dõi được quá trình thẩm định và xét duyệt đơn đăng ký cũng như thanh toán khoản vay của mình.
Tạo ngay tài khoản quản lý khoản vay/ thẻ tín dụng Shinhan Finance trên ứng dụng iShinhan để trải nghiệm đầy đủ tiện tích cùng nhiều ưu đãi.
Scan để tải ứng dụng iShinhan
<figure><img src="/assets/news/iShinhan.png" alt="QR Code Shinhan Finance" /></figure>
Shinhan Finance.

Từ ngày 20 tháng 03 năm 2024 đến ngày 31 tháng 05 năm 2024, các khách hàng của Shinhan Finance khi thanh toán khoản vay trên ứng dụng di động iShinhan qua cổng thanh toán VNPAYQR sẽ nhận được mã khuyến mại hấp dẫn.

Ưu đãi quét thanh toán QR từ VNPAY cho thanh toán khoản vay định kỳ đến từ SHINHAN FINANCE

From January 01, 2024, to December 31, 2024, for each payment transaction for goods and services with Shinhan Finance THE FIRST credit card, cardholder will be unlimited accumulated bonus points with 0.5% of the transaction amounts.
For more information about Program Terms &amp; Conditions as <a href="https://shinhanfinance.com.vn/assets/promotionTag/TnC-Chuong-trinh-Tich-luy-diem-thuong-khong-gioi-han-2024.pdf" target="_blank" rel="noreferrer noopener">here</a>.
To easily check the total accumulated points and redeem bonus points, customers access the iShinhan application and follow these steps:
<ul><li>Step 1: Log in to the iShinhan application and select an active credit card.</li><li>Step 2: Enter the number of converted points in "Thông tin điểm thưởng" and follow the instructions.</li></ul>
In addition, cardholders will also enjoy many shopping discounts up to 50% from the network of partners at Shinhan Zone. To learn more programs, please refer to information as <a href="https://shinhanfinance.com.vn/card-promotions">here</a>.

From January 01, 2024, to December 31, 2024, for each payment transaction for goods and services with Shinhan Finance THE FIRST credit card, cardholder will be unlimited accumulated bonus points with 0.5% of the transaction amounts.

More purchase – More point reward with THE FIRST

Nowadays, "credit loans" has become a flexible solution for individuals and businesses to quickly address their financial needs. From business ventures, car purchases, home repairs, and more, low-interest credit loans open doors for everyone to change their lives and enhance convenience.
So, what exactly are low-interest credit loans, and what are their benefits or risks? Shinhan Finance provides an insightful look into credit loans, helping you understand the benefits, risks, and how to borrow effectively.
Follow this article from Shinhan Finance for more details!
<h3>Understanding Credit Loans</h3>
Credit loans, a form of capital provided by banks and financial institutions, are an important financial solution for individuals and businesses. They allow borrowing money to meet diverse needs, from consumer spending to business development. The interest rates of credit loans, regulated by the state, ensure fairness and transparency for both borrowers and lenders.
<h2>Popular Types of Credit Loans</h2>
<figure><img src="/assets/news/vay-tin-dung-nhanh.png" alt="vay tín dụng nhanh Shinhan Finance" /></figure>
<ul><li>Unsecured Loans: This type of credit loan does not require the borrower to provide any collateral. The lending decision is based on financial reputation, credit history, income, and repayment capacity. <a href="https://shinhanfinance.com.vn/en/product/personal-loan">Unsecured loans</a> are often used for consumer purposes, education, travel, or medical expenses. The interest rate for unsecured loans usually depends on the "beauty" of the credit profile.</li><li>Installment Loans: This form of loan requires customers to repay the principal and interest periodically over the agreed time. This method not only reduces financial burden but also provides comfort for customers choosing flexible and convenient <a href="https://shinhanfinance.com.vn/en/news/post/102960/vay-tra-gop-linh-hoat-va-tien-loi">installment loans</a>.</li><li>Consumer Loans: For individuals borrowing to purchase goods and services such as cars, home appliances, electronics, travel, tuition fees, and other consumer needs. Consumer loans can be either unsecured or secured, depending on the lender's conditions.</li></ul>
<h2>Benefits of Credit Loans</h2>
<figure><img src="/assets/news/vay-tin-dung-shinhanfinance.png" alt="vay tín dụng nhanh Shinhan Finance" /></figure>
<a href="https://shinhanfinance.com.vn/en/product/card/credit-card">Credit loans</a> offer financial flexibility, convenient shopping, and enhanced financial capacity. This flexibility and convenience not only meet urgent needs but also improve life quality and financial reputation for borrowers.
<h3>Key Points to Consider for Credit Loans</h3>
<figure><img src="/assets/news/cho-vay-tin-dung.png" alt="vay tín dụng online" /></figure>
To choose the right loan and use it effectively, you should carefully consider the following:
• Identify the need for the loan: Ask yourself if you really need this loan to avoid unnecessary borrowing.
• Compare various loan packages: Compare loans from different providers, including the lender's reputation, interest rates, repayment terms, payment methods, etc.
• Evaluate repayment capability: Assess your financial condition to choose a suitable loan package without difficulty in repayment; also estimate spending and saving plans to repay on schedule.
When used responsibly, credit loans are a powerful financial tool to address your needs. Shinhan Finance hopes this article gives you a comprehensive understanding of low-interest credit loans and how to borrow smartly and suitably.
<h4>The fastest channels to register for a loan:</h4>
<ul><li>Hotline: 1900 54 54 49 (press 2 – Loan consultation)</li><li><a href="https://shinhanfinance.com.vn/leadform">Website Shinhan Finance</a></li><li><a href="https://ishin.onelink.me/MfNr/jsjnxgip">iShinhan</a> financial management application</li><li><a href="https://www.facebook.com/shinhanfinance.official.vietnam">Fanpage Shinhan Finance</a></li><li>Directly at Shinhan Finance transaction counters: See the address <a href="https://shinhanfinance.com.vn/contact">details of Shinhan Finance branches</a>.</li></ul>
Sincerely,
Shinhan Finance

Nowadays, "credit loans" has become a flexible solution for individuals and businesses to quickly address their financial needs. From business ventures, car purchases, home repairs, and more, low-interest credit loans open doors for everyone to change their lives and enhance convenience.

Low-Interest Credit Loans: A Comprehensive Guide from Shinhan Finance

Ho Chi Minh City, 01/03/2024 – Shinhan Vietnam Finance Company Ltd. (“Shinhan Finance”) announces the appointment of Mr. Chun Young ILL as General Director, effective from 21/02/2024, and is subject to the approval of the State Bank of Vietnam No. 1120/NHNN-TTGSNH, issued on 15/02/ 2024 and its mother company Shinhan Card (Korea).
Mr. Chun Young ILL has over 24 years of experience in the financial services industry. Prior to being appointed as General Director of Shinhan Vietnam Finance, he was the General Director at Shinhan Finance in Kazakhstan over 5 years. He held many managerial positions in different departments at Shinhan Card such as Senior Manager at Human Resources Development, Deputy General Manager at Global Business Department. In addition, he was the Director of Card Business Department at Shinhan Bank Vietnam from 2014 to 2017.
He graduated from Seoul National University, which is the best University in South Korea, and studied the MBA from the University of Cumbria in United Kingdom.
Hopefully, with deeply management and leadership experience in banking and finance in global markets, Mr. Chun Young ILL will make positive contributions to Shinhan Finance and to the consumer finance field in Vietnam soon.

Ho Chi Minh City, 01/03/2024 – Shinhan Vietnam Finance Company Ltd. (“Shinhan Finance”) announces the appointment of Mr. Chun Young ILL as General Director, effective from 21/02/2024, and is subject to the approval of the State Bank of Vietnam No. 1120/NHNN-TTGSNH, issued on 15/02/ 2024 and its mother company Shinhan Card (Korea).

Shinhan Finance introduces new General Director, Mr. Chun Young ILL

From March 1st, 2024, until December 31th, 2024, customers will not only experience the convenience of flexible cash withdrawal features (*) with the issuance of the new THE FIRST credit card but also receive fantastic vouchers for monthly shopping expenses, as follows:
Offer 1: The first 500 customers to register for the issuance of the new THE FIRST credit card each month will receive an e-voucher from Urbox worth 300,000 VND upon meeting the condition of card activation and spending from 2,000,000 VND or more within 30 days from the card issuance date.
Note: This program does not apply to customers who close their old cards and open a new one within 6 months.
Offer 2: The top 200 Shinhan Finance THE FIRST credit cardholders with the highest spending in the month will receive an e-voucher from Urbox worth 500,000 VND upon meeting the condition of spending at least 5,000,000 VND per month.
For more information about Program Terms &amp; Conditions as <a href="https://shinhanfinance.com.vn/assets/news/%C4%90i%E1%BB%81u-ki%E1%BB%87n-v%C3%A0-%C4%90i%E1%BB%81u-kho%E1%BA%A3n_CT-th%E1%BA%BB-2024.pdf" target="_blank" rel="noreferrer noopener">here</a>.
(*) From January 27, 2024, customers will have the opportunity to immediately experience a cardless withdrawal feature through the method of generating a withdrawal code by iShinhan application when registering for a new Shinhan Finance’s credit card. Click <a href="https://shinhanfinance.com.vn/en/news/post/103189/shinhan-finance-trien-khai-tinh-nang-rut-tien-mat-linh-hoat-bang-ma-rut-tien-tu-ung-dung-ishinhan" target="_blank" rel="noreferrer noopener">here</a> for more details.
Furthermore, customers will also enjoy THE FIRST’s outstanding features when making purchase transactions like:
<ul><li>Free cash withdrawal at VPBank counter within 30 days (from card issuance date and flexible installments up to 48 months)</li><li>Pay online and tap to pay via Google Pay to shop anytime, anywhere</li><li>Flexible installment with 0% interest rate at affiliated partners</li></ul>
To learn more promotional program, please refer to information as <a href="https://shinhanfinance.com.vn/en/card-promotions" target="_blank" rel="noreferrer noopener">here</a>.
Shinhan Finance

Indulge in shopping expenses, receive gifts with exclusive super discounts specially reserved for our beloved customers at THE FIRST.

Spend freely – Get great gifts

From March 01, 2024 to the end of December 31, 2024, customers will get up to VND 600,000 per month when shopping at Shopee with THE FIRST credit card.
Details:
- Offer 1: Direct discount of VND 50,000
for bill from VND 400,000 when shopping at Shopee website or app, applicable for bill paid by Shinhan Finance credit card on every day (exclude special days of offer 2).
Each customer (based on the User ID purchased at Shopee with 01 Shinhan Finance credit card) eligible for 02 (twice) time per week.
- Offer 2: Direct discount of VND 100,000
for bill from VND 600,000 when shopping at Shopee website or app, applicable for bill paid by Shinhan Finance credit card on special days 03/03; 25/03; 04/04; 25/04; 05/05; 25/05; 06/06; 25/06; 07/07; 25/07; 08/08; 25/08; 09/09; 25/09; 10/10; 25/10; 11/11; 25/11; 12/12; 25/12.
Each customer (based on the User ID purchased at Shopee with 01 Shinhan Finance credit card) eligible for 01 (once) time per special day.
For more information about Program Terms &amp; Conditions as <a href="https://shinhanfinance.com.vn/assets/promotionTag/TnC-Luot-Shopee-san-ngay-deal-xin-cung-The-First.pdf" target="_blank" rel="noreferrer noopener">here</a>.
Furthermore, customers will also enjoy THE FIRST’s outstanding features when making purchase transactions like:
<ul><li>“Buy first, pay later” with interest free period up to 45 days.</li><li>Flexible installment with 0% interest rate.</li><li>Unlimited accumulated bonus points with 0.5% of the transaction amounts.</li><li>Easy management and flexible use of card features via iShinhan app.</li></ul>
To learn more promotional program, please refer to information as <a href="https://shinhanfinance.com.vn/en/card-promotions" target="_blank" rel="noreferrer noopener">here</a>.
Shinhan Finance

From March 01, 2024 to the end of December 31, 2024, customers will get up to VND 600,000 per month when shopping at Shopee with THE FIRST credit card.

Enjoy exclusive Shopee deals with THE FIRST credit card

From March 1, 2024, Shinhan Finance offers a discount of 20,000 VND when ordering tasty meals on ShopeeFood through the "Enjoy tasty meals on ShopeeFood with THE FIRST credit card" program. 
Specifically, from March 01, 2024 to the end of December 31, 2024, THE FIRST cardholders will receive a discount of VND 20,000 for bills from VND 60,000 when ordering on the ShopeeFood app or ShopeeFood on the Shopee app with THE FIRST credit card.
Each customer (based on the User ID purchased at Shopee with 01 Shinhan Finance credit card) eligible for 02 (twice) time per week.
For more information about Program Terms &amp; Conditions as <a href="https://shinhanfinance.com.vn/assets/promotionTag/TnC-Deal-to-de-The-First-lo-tai-ShopeeFood.pdf" target="_blank" rel="noreferrer noopener">here</a>.
Furthermore, customers will also enjoy THE FIRST’s outstanding features when making purchase transactions like:
<ul><li>“Buy first, pay later” with interest free period up to 45 days.</li><li>Flexible installment with 0% interest rate.</li><li>Unlimited accumulated bonus points with 0.5% of the transaction amounts.</li><li>Easy management and flexible use of card features via iShinhan app.</li></ul>
To learn more promotional program, please refer to information as <a href="https://shinhanfinance.com.vn/en/card-promotions" target="_blank" rel="noreferrer noopener">here</a>.
Shinhan Finance

From March 1, 2024, Shinhan Finance offers a discount of 20,000 VND when ordering tasty meals on ShopeeFood through the "Enjoy tasty meals on ShopeeFood with THE FIRST credit card" program.

Enjoy tasty meals on ShopeeFood with THE FIRST credit card

According to Google statistics, "consumer loans, personal loans, online loans..." are among the keywords that many customers are interested in when they need to borrow money. So, what exactly are consumer loans, and can you get consumer loans online? Let's find out in the article below from Shinhan Finance!
<h2>What are consumer loans?</h2>
Consumer loans are a type of loan provided by banks or financial institutions to individuals in need of financial support for personal expenses. These loans can be used for personal purposes and are typically unrelated to business activities or investments. They can serve various personal needs such as purchasing electronic devices, furniture, travel, tuition fees, medical expenses, or any other personal needs. Consumer loans usually do not require collateral and offer flexible repayment terms, although the interest rates may be higher compared to loans secured with assets. Currently, electronics stores, motorcycle dealerships, or shopping centers are all supporting customers in purchasing through consumer loans.
<h3>Characteristics of consumer loans</h3>
- Minimum interest rate from 18% per year, calculated on a reducing balance basis (Terms and Conditions apply)
- Loan amount up to 12 times monthly income and a maximum of 300 million VND, for personal purposes to serve daily life
- Loan terms range from a minimum of 12 months to a maximum of 48 months.
- Disbursement within 48 hours after approval.
For example: With a credit loan of 60 million VND, a loan term of 12 months, and an 18% interest rate, you only need to pay 5,500,800 VND per month.
<h3>Consumer loan procedures</h3>
<figure><img src="/assets/news/vay-tin-chap-tieu-dung.png" alt="vay tín chấp tiêu dùng" /></figure>
Depend on the specific bank or financial institution, there may be different steps and procedures, but generally, when applying for a <a href="https://shinhanfinance.com.vn/en/product/personal-loan">consumer loan</a>, you will go through the following steps:
Check loan conditions:
First, you need to check if you meet the loan conditions set by the bank or financial institution. These conditions usually relate to age, monthly income, type of employment, social insurance, and credit history.
Submit loan application: After confirming that you meet the loan conditions, the next step is to prepare and submit the loan application. The application typically included: ID card or passport, proof of income (payroll, labor contract, appointment decision, or other relevant documents), utility bills reflecting your residential address.
Verification and loan approval: The bank or financial institution will verify the information and assess your ability to repay based on the submitted documents. This process may include checking credit history, income, and current debts.
Signing loan contract: If approved, you will be invited to sign a loan agreement. This contract will detail the terms and conditions of the loan, including interest rates, loan terms, loan amount, and payment schedule.
Disbursement: Once the loan agreement is signed, the loan amount will be disbursed to your account or transferred directly for the purpose you applied for.
Repayment: You begin repaying the loan according to the agreed schedule, including both principal and interest.
Note that the specific process and requirements may vary depending on the policies of each bank or financial institution.
<h2>Where to get quick consumer loans with low interest rates?</h2>
<figure><img src="/assets/news/vay-tieu-dung-online-shinhanfinance.png" alt="vay tiêu dùng nhanh shinhan finance" /></figure>
Instead of borrowing from unlicensed credit companies, when you need to borrow consumer loans quickly at low interest rates, the best option is to access reputable banks or financial companies with flexible loan policies and competitive interest rates. Here are some suggestions for you to make the best choice:
- Reputable banks known for offering consumer loan packages with preferential interest rates, although the approval rate may be strict.
- Financial companies offering consumer loan packages with simple procedures, fast disbursement, and competitive interest rates like Shinhan Finance.
When choosing a loan source, you should consider the following factors:
- Regarding interest rates, make sure to carefully study the actual interest rates applied to the loan, including both fixed and floating rates.
- Procedures and disbursement: Always prioritize loan sources with simple procedures and quick disbursement times.
- Loan conditions: Make sure you meet the loan conditions set by the bank or financial company.
- Reputation of the bank/financial company: Choose a bank or financial company with a good reputation and high customer ratings to ensure safety and transparency.
Don't forget to read the contract carefully and understand all terms before agreeing to the loan to avoid any misunderstandings or unexpected surprises later.
How to get consumer loans at Shinhan Finance?
As a leading financial institution nationwide, Shinhan Finance is a trusted choice for many people. If you're wondering how to get consumer loans at Shinhan Finance, here are some suggestions for you:
You can visit Shinhan Finance branches nationwide for quick advice and loan procedures. Refer to the regulations to apply for <a href="https://shinhanfinance.com.vn/en/product/personal-loan">personal loans at Shinhan Finance</a>.
To simplify procedures, save time, and reduce travel costs, you can use the <a href="https://shinhanfinance.com.vn/en/news/post/89079/shinhan-finance-trien-khai-co-che-phe-duyet-tu-dong-san-pham-vay-tin-chap-sieu-toc-qua-ung-dung-di-dong-ishinhan">iShinhan app</a>. The app was honored to be in the "Top 10 Vietnam Consumer Loans - Digital Financial Sector, Digital Technology Products, Education in 2022". Not only does it provide personal loan services, but it also ensures that all information and notifications related to the loan process are clear and transparent.

Consumer loans are a type of loan provided by banks or financial institutions to individuals in need of financial support for personal expenses. These loans can be used for personal purposes and are typically unrelated to business activities or investments.

SHOULD YOU CHOOSE ONLINE CONSUMER LOANS AT SHINHAN FINANCE?

<h2>Unsecured Salary-Based Loans: Your Pathway to Financial Flexibility</h2>
Currently, unsecured salary-based loans are a widely utilized financial solution to address essential or urgent financial needs due to their speed and convenience. So, what makes this type of loan special and how does it facilitate easy access to flexible financial resources? Please read the following article to understand specific details. 

<h2>What is an Unsecured Salary-Based Loan?</h2>
<figure><img src="/assets/news/vay-tin-chap-qua-luong_2024-02-23-064645.png" alt="vay tín chấp qua lương" /></figure>
<a href="https://shinhanfinance.com.vn/en/product/personal-loan">An unsecured salary-based loan</a> is a form of consumer credit - a personal loan (not earmarked for specific purposes such as buying a house or a car). This type of loan typically does not require you to provide specific assets as collateral to secure the loan. Instead, you can apply for a loan based on your income from employment or monthly salary.
The key characteristics of unsecured salary-based loans include:
- No collateral required: You do not need to provide documentation of assets such as real estate, vehicles, or other assets.
- Interest rates and loan conditions may vary depending on the specific bank or financial institution. Generally, the interest rates on such loans may be higher than those for secured loans due to higher risks for the lender.
- Repayment periods are typically shorter than those for secured loans, usually ranging from several months to several years.
- Secure income requirement: Customers need to have a stable source of income such as salary slips, payrolls, or monthly salary statements to qualify for an unsecured salary-based loan. 
Loan Limits for Salary-Based Loans
Depending on the regulations of banks or financial institutions, the loan limits for unsecured salary-based loans may vary. However, the loan amount largely depends on the following factors:
- Approved loan limits are based on monthly income. Banks or financial institutions will consider your income to determine your repayment capacity. Typically, the maximum loan limit will be determined as a fixed ratio of monthly income, which can be up to 5-10 times the monthly income.
- Credit history is also a direct factor influencing the loan limit. If you have a good credit history, you may qualify for a larger loan amount. Conversely, if you have a poor credit history, the loan limit may be restricted, or you may have to pay a higher interest rate.
- Regulations and policies of banks or financial institutions, whereby each party may have its own policy regarding loan limits for unsecured salary-based loans. They may set minimum and maximum limits for loan amounts and may apply different requirements and conditions.
- Personal financial situation and related factors such as existing debts and overall financial status may also influence the loan limit.
To accurately determine the loan limit for an unsecured salary-based loan, you should directly contact the bank or financial institution you intend to consider, so they can provide specific information and estimates based on your individual circumstances.
Please refer to salary loans at <a href="https://shinhanfinance.com.vn/en/news/post/102482/vay-tin-chap-theo-luong-la-gi-nhung-luu-y-can-biet-khi-vay-tin-chap-theo-luong">Shinhan Finance</a>
<h2>Guidance on the Procedure for Salary-Based Loans</h2>
<figure><img src="/assets/news/vay-tin-chap-shinhan-finance.png" alt="vay tín chấp Shinhan Finance" /></figure>
The procedure for unsecured salary-based loans is typically relatively simple and quick, although procedures may vary depending on the specific bank or financial institution. Below is a general guide to the loan application process:
Step 1: Contact the bank or financial institution for details on the loan and specific requirements.
Step 2: Fill out the unsecured loan application form (online or directly with an advisor), providing personal and financial information, including income and existing debts (if any).
Step 3: Verify your income by providing documents confirming monthly income such as salary slips, employment contracts, or other valid financial documents.
Step 4: The bank or financial institution will check the customer's credit history to assess repayment capacity and determine loan conditions.
Step 5: Loan approval - once you have provided the necessary information, the institution will review and decide whether you qualify for the loan.
Step 6: Signing the loan agreement if your loan application is accepted.
Step 7: Receive the loan amount after the loan agreement is signed; the loan amount will be transferred to your bank account or provided through the institution's approved method.
Note that specific steps may vary depending on the bank or financial institution; therefore, you should contact the financial institutions directly for more details and specific guidance on the procedure for unsecured salary-based loans.
Is Collateral Required for Salary-Based Loans?
Unsecured salary-based loans are a form of credit in which the creditor does not require collateral. Instead, the borrower provides information related to income: salary slips, payroll, or monthly salary statements to demonstrate financial capability, repayment capacity, and customer credibility.

Currently, unsecured salary-based loans are a widely utilized financial solution to address essential or urgent financial needs due to their speed and convenience. So, what makes this type of loan special and how does it facilitate easy access to flexible financial resources? Please read the following article to understand specific details.

Unsecured Salary-Based Loans

Enjoy prosperous spring and wonderful Tet with the program “New card in hand, happy shopping now with THE FIRST” when spending on shopping at the beginning of the year for new cardholder from February 01, 2024.
Specifically, from February 1, 2024 to February 29, 2024, customers will receive an Urbox e-voucher worth VND 300,000 when activating and spending VND 2,000,000 or more for retail transactions within 30 days from card issuance date.
(*) E-voucher applies when shopping directly at Urbox's Supermarket - Convenience Store partner chain stores or top up your phone.
Note: The program does not apply offers to customers who close their old card and reopen a new card within 6 months.
For more information about Program Terms &amp; Conditions as <a href="https://www.shinhanfinance.com.vn/assets/site/TnC_the-moi-trong-tay-vui-mua-sam-ngay.pdf" target="_blank" rel="noreferrer noopener">here</a>. 
From January 27, 2024, customers will have the opportunity to immediately experience a cardless withdrawal feature through the method of generating a withdrawal code by iShinhan application when registering for a new Shinhan Finance’s credit card. Click <a href="https://shinhanfinance.com.vn/en/news/post/103189/shinhan-finance-trien-khai-tinh-nang-rut-tien-mat-linh-hoat-bang-ma-rut-tien-tu-ung-dung-ishinhan" target="_blank" rel="noreferrer noopener">here</a>
for more details.
Furthermore, customers will also enjoy THE FIRST’s outstanding features when making purchase transactions like:
<ul><li>Free cash withdrawal at VPBank counter within 30 days (from card issuance date and flexible installments up to 48 months)</li><li>Pay online and tap to pay via Google Pay to shop anytime, anywhere</li><li>Flexible installment with 0% interest rate at affiliated partners</li></ul>
To learn more promotional program, please refer to information as <a href="https://shinhanfinance.com.vn/en/card-promotions" target="_blank" rel="noreferrer noopener">here</a>.
Shinhan Finance

Enjoy prosperous spring and wonderful Tet with the program “New card in hand, happy shopping now with THE FIRST” when spending on shopping at the beginning of the year for new cardholder from February 01, 2024.

New card in hand, happy shopping now with THE FIRST

Let Shinhan Finance to accompany you in renovating your home for a new fresh year when shopping with THE FIRST credit card through the program "Freely shopping for Tet holiday with THE FIRST".
Specifically, from February 1, 2024 to February 29, 2024, cardholders with the highest spending in the month will receive an Urbox e-voucher worth VND 500,000 (*) when meeting the spending amount conditions from VND 5,000,000 per month.
(*) E-voucher applies when shopping directly at Urbox's Supermarket - Convenience Store partner chain stores or top up your phone.
 
For more information about Program Terms &amp; Conditions as <a href="https://www.shinhanfinance.com.vn/assets/site/Tnc_Chi-tieu-tha-ga-nhan-sieu-uu-dai.pdf" target="_blank" rel="noreferrer noopener">here</a>. 

Furthermore, customers will also enjoy THE FIRST’s outstanding features when making purchase transactions like:
<ul><li>“Buy first, pay later” with interest free period up to 45 days.</li><li>Flexible installment with 0% interest rate.</li><li>Unlimited accumulated bonus points with 0.5% of the transaction amounts.</li><li>Easy management and flexible use of card features via iShinhan app.</li></ul>
To learn more promotional program, please refer to information as <a href="https://shinhanfinance.com.vn/en/card-promotions" target="_blank" rel="noreferrer noopener">here</a>.
Shinhan Finance

Let Shinhan Finance to accompany you in renovating your home for a new fresh year when shopping with THE FIRST credit card through the program "Freely shopping for Tet holiday with THE FIRST".

Freely shopping for Tet holiday with THE FIRST

From January 27, 2024, customers will have the opportunity to immediately experience a cardless withdrawal feature through the method of generating a withdrawal code by iShinhan application when registering for a new Shinhan Finance’s credit card.
The withdrawal code generation on the iShinhan is developed to provide customers with an extremely convenient and secure digital experience. Specifically: Customers who register for a new Shinhan Finance’s credit card will also own a virtual card version within the iShinhan and ready for use upon card activation. With a simple registration process, customers can effortlessly and successfully create a withdrawal code on iShinhan with a limit of up to 100% and proactively convert to installment payments quickly for up to 48 months. The withdrawal code generated by iShinhan can be used to withdraw cash at VPBank’s counters, and it is entirely free of charge for cash withdrawals. Detailed instructions on how to register a withdrawal code on iShinhan <a href="https://www.shinhanfinance.com.vn/assets/promotionTag/Introduction_CW_VirtualCard_website_vn.pdf" target="_blank" rel="noreferrer noopener">here </a>Note:
<ul><li>The withdrawal code feature on iShinhan is applicable only to customers who open a credit card from January 27, 2024, and is valid for 30 days from the issuance date. After this period, the withdrawal code feature will be become inactive. Instead of that, Customers can use the physical card to withdraw cash at the ATM.</li><li>The withdrawal code is valid within 5 days from the day of generating code successfully on iShinhan.</li></ul>
Please access iShinhan today to experience this convenient feature!
<figure><img src="/assets/news/Tai_iShinhan-2.png" alt="" /></figure>
Scan to download iShinhan app
Shinhan Finance

From January 27, 2024, customers will have the opportunity to immediately experience a cardless withdrawal feature through the method of generating a withdrawal code by iShinhan application when registering for a new Shinhan Finance’s credit card.

Shinhan Finance is implementing a cardless withdrawal feature through a withdrawal code on iShinhan application.

Happy Tet, Customers who successfully log in and make loan payment transaction on iShinhan mobile application best wishes for new year through the "Happy Tet to receive gift with iShinhan" program.
Accordingly, from February 1, 2024 to February 29, 2024, customers (*) who successfully log in and make loan payment transaction on the iShinhan mobile application will receive combo Grab e-code worth VND 60,000.
(*) Only apply for customers who receive notifications via Zalo message from the Shinhan Finance’s Zalo Official Account to participate this promotion program.
Each customer eligible for 01 (once) time per program.
For more information about Program Terms &amp; Conditions as <a href="https://shinhanfinance.com.vn/assets/promotionTag/Dieu-kien-va-Dieu-khoan-Don-Tet-vui-nhan-qua-day-tui-cung-iShinhan.pdf" target="_blank" rel="noreferrer noopener">here</a>.
iShinhan is a mobile application that integrates comprehensive technology solutions on a digital platform. With this application, the loan and credit card payment transaction process are encapsulated with 3 steps: 
<ul><li>Step 1: Select loan or card on due. 
Step 2: Select payment method.</li><li>Step 3: Authenticate to confirm payment. </li></ul>
From there, consumers enjoy a comprehensive mainstream financial service in a convenient, safe, and intuitive way through this application. At the same time, proactively controlling your entire financial situation, including loans and credit cards, to plan payments on time becomes easy with just a few simple and safe steps.
Let’s log in on the iShinhan application to experience the full benefits and incentives.

<figure><img src="/assets/news/iShinhan.png" alt="" /></figure>
<a href="https://www.shinhanfinance.com.vn/news/post/101602/thanh-toan-khoan-vay-tai-shinhan-finance-bang-vnpay-qr-nhan-ngay-uu-dai-15-000-vnd" target="_blank" rel="noreferrer noopener"></a> 
Shinhan Finance

Happy Tet, Customers who successfully log in and make loan payment transaction on iShinhan mobile application best wishes for new year through the "Happy Tet to receive gift with iShinhan" program.

Enjoy extra gift with iShinhan on Tet holiday

Dear Valued Customers,
Shinhan Vietnam Finance Company Limited would like to announce our schedule for Lunar New year 2024 Holiday as follows:
<ul><li>Closed for the Lunar New Year: From Thursday, February 8th, 2024 to the end of Wednesday, February 14th, 2024.</li><li>Re-open for business: Thursday, February 15th 2024.</li></ul>
We strongly recommend our customers leverage available tools and resources for 24/7 Customer supports as follows:
<ul><li>Mobile app iShinhan. Click <a href="https://www.youtube.com/watch?v=ddQGnoJv9RY">here</a> for a quick user guide.</li><li>Interactive Voice Response service 24/7 via our Hotline 1900 5454 49 (Select the loan section by pressing 2, then press 1).</li><li>Facebook Shinhan Finance. Click <a href="https://m.me/shinhanfinance.official.vietnam">here</a>
for a quick experience.</li></ul>
We wish you and your family a new year filled with peace and prosperity!
Sincerely,
Shinhan Finance

Shinhan Finance announces the schedule for the Lunar New Year holiday 2024.

LUNAR NEW YEAR 2024 - HOLIDAY CLOSING ANNOUNCEMENT

Installment loans are a form of consumer lending offered by financial institutions and banks to customers. In the context of increasing consumer demand, installment loans are becoming increasingly popular as a flexible financial option. Not only do they provide convenience, but they also allow borrowers to easily manage payments and divide expenses reasonably over a specified period.
<h2>Conditions for Consumer Installment Loans</h2>
Depending on requirements, each financial institution or bank may have different conditions for consumer <a href="https://shinhanfinance.com.vn/en/product/personal-loan">installment loans</a>. However, there are still some common conditions applied in the financial market. Let's review these conditions to ensure clarity before proceeding with the loan application:
- Applicants must be aged between 18 and 65, being Vietnamese citizens. Some financial companies may require customers to be at least 21 years old.
- Customers must have stable income and the ability to repay the loan. Most financial institutions require you to verify a minimum income to ensure you can make monthly payments without difficulty.
- Proof of income is necessary during the loan application process. You need to provide evidence of income sources such as salary slips, documents from employers, or any other sources of income.
- A good credit history with a good track record can facilitate loan approval.
- Required personal documents include ID card, household registration book, marriage certificate (if any), and other personal documents.
Note that conditions may vary depending on the policies of each credit institution. To ensure preparedness for the loan, you should directly contact the financial company you are interested in to understand their specific conditions and installment loan procedures.
<h2>Advantages and Disadvantages of Installment Loans</h2>
<figure><img src="/assets/news/vay-tra-gop-tieu-dung.png" alt="vay tiêu dùng trả góp" /></figure>
Although installment loans are chosen and trusted by many customers, they still have their own advantages and disadvantages. Below are some points to consider before deciding to take out an installment loan from financial companies.
Convenience and Safety
When applying for consumer installment loans, you do not need to provide extensive documentation and procedures as with business loans. The approval criteria are simple.
The method of repaying the debt is straightforward, allowing you to repay through credit cards, e-wallets, or bank transfers, without the need to visit post offices. Online payment reduces risks compared to using cash.
Difficulty in Controlling Expenses is a Consideration for Many Customers
When having money in hand, it's easy to fall into a situation of uncontrolled spending, leading to an inability to repay and unwanted debt burdens.
When opting for installment loans from financial institutions, there are several crucial points to consider:
<figure><img src="/assets/news/vay-online-tra-gop.png" alt="vay trả góp uy tín" /></figure>
<ol>
 <li>Choose a loan amount suitable to your financial capability. It's essential to carefully consider selecting a loan amount that aligns with your purchasing needs and repayment capacity. Avoid opting for installment loans when your financial situation is unstable or exceeds your current monthly income.</li>
 <li>Select a reputable and reliable lending institution. It's vital to note that selecting a financially secure and reputable lending organization is of paramount importance. Prior research on lending institutions, such as banks or financial companies, helps avoid scenarios involving high-interest rates or potential scams. <a href="https://shinhanfinance.com.vn/en/news/post/93663/cach-tinh-lai-suat-vay-tieu-dung-tin-chap">Shinhan Finance</a>, a leading institution with 100% foreign capital, stands out as a top-tier trusted entity in the market.</li><li>Gain clarity on interest rates and associated fees. Before committing to an installment loan, seek clarification from financial advisors regarding the monthly interest rates and specific amounts to be paid. In cases where additional fees are mentioned in the contract, thorough consideration and inquiry are necessary to avoid misunderstandings, deception, and potential conflicts in the future.</li>
 <li>Understand the calculation of consumer loan interest rates at Shinhan Finance. Acquiring comprehensive knowledge about the calculation methods for consumer loan interest rates offered by Shinhan Finance contribute to making informed decisions regarding borrowing.</li>
 <li>Scrutinize the terms and conditions of the contract before signing. It's essential to meticulously read through the terms and conditions of the contract and address any uncertainties to prevent contract breaches and subsequent penalties resulting from a lack of understanding. Paying close attention to contract specifics facilitates the identification of inconsistencies, and in case of any discrepancies, thorough questioning is imperative to avoid potential disputes in the future.</li>
 <li>Ensure timely repayment of the loan and interest. Adhering to the stipulated terms of loan repayment and interest payments is obligatory as per the loan agreement. Therefore, to prevent additional interest charges and disturbances such as persistent reminders through calls and messages, borrowers must adhere to the agreed-upon deadlines for repayment.</li>
</ol>
We hope the information provided has helped you better understand the flexible installment loan option and make informed choices for future financial plans.

Installment loans are a form of consumer lending offered by financial institutions and banks to customers. In the context of increasing consumer demand, installment loans are becoming increasingly popular as a flexible financial option. Not only do they provide convenience, but they also allow borrowers to easily manage payments and divide expenses reasonably over a specified period.

More Comfortable with Flexible and Convenient Installment Loans

<table>
 <tbody><tr>
 <td valign="top">Recently, Shinhan Vietnam Finance Company Limited (Shinhan Finance) was honored by the National Credit Information Centre of Vietnam (CIC) as the "Typical units in the exploitation and use of credit information services 2023” at the conference "Conference to summarize credit information activities in 2023 and Implementation of Tasks for 2024" held in Ha Noi.<img src="/assets/news/75C68136-473F-46BE-93DA-0AD1835C6B5A.jpg" alt="" />

According to the report for 2023 the national credit information database managed by CIC operates safely and stably, timely meeting the data exploitation needs of partners within and outside the industry. This contributes to the safe and healthy development of the financial and banking system.1.
In addition, at this conference, representatives who were leaders of various departments, bureaus, and units of the State Bank of Vietnam also engaged in discussions, sharing practical experiences, put forward suggestions, proposals, and solutions aimed at enhancing the collaboration in the upcoming period.
On this occasion, CIC also announced the decision to commend 25 Credit Institutions for their outstanding performance. Shinhan Finance had been honored position in the Top 10 of “Typical Units in the Exploitation and Use of Credit Information Services 2023.” This is the second time Shinhan Finance has received commendation from the Credit Information Centre. Previously, Shinhan Finance was also chosen as the “Typical Unit in Credit Information Activities 2022”. 
By achieving this award, Shinhan Finance has affirmed its efforts to contribute to the positive development of Vietnam's banking and finance industry, thereby emphasizing the important role of legal financial institutions in with the social economy. In 2023, Shinhan Finance pushed its communication, providing guidance to customers on securing user information, and encouraging the public to remain vigilant against black credit practices. These efforts contribute to protecting consumer rights, especially young consumers.
For more details on Shinhan Finance's activities, please refer to: <a href="https://shinhanfinance.com.vn/">https://shinhanfinance.com.vn/</a>
_________________________________</td>
 </tr>
</tbody></table>
1According to The Banking Times, the article is titled "CIC - The crucial pillar of the national financial infrastructure”.

Recently, Shinhan Vietnam Finance Company Limited (Shinhan Finance) was honored by the National Credit Information Centre of Vietnam (CIC) as the "Typical units in the exploitation and use of credit information services 2023” at the conference "Conference to summarize credit information activities in 2023 and Implementation of Tasks for 2024" held in Ha Noi.

Shinhan Finance has been honored as the "Typical units in the exploitation and use of credit information services 2023”

Dear Valued Customers,
Based on Official Letter no. 3771/HCM-TTr2 on 26th December 2023 from State Bank of Vietnam – Ho Chi Minh Branch about the change of Shinhan Vietnam Finance Company Limited – District 1 Branch. Shinhan Vietnam Finance Company Limited would like to announce that:
Name of branch:
Vietnamese name: Công ty Tài chính TNHH Một Thành viên Shinhan Việt Nam – Chi nhánh Quận 1
Foreign name: Shinhan Vietnam Finance Company Limited – District 1 Branch 
Old address: Ground and 2nd floor, Saigon Trade Center, No 37 Ton Duc Thang, Ben Nghe Ward, District 1, Ho Chi Minh City.
New address: No. 99, Nguyen Thi Minh Khai Street, Ben Thanh Ward, District 1, Ho Chi Minh City.
 
We hope to keep receiving the supports from customers and will provide to customers a variety of products with expected quality.
Sincerely,
Shinhan Finance

Dear Valued Customers,

Based on Official Letter no. 3771/HCM-TTr2 on 26th December 2023 from State Bank of Vietnam – Ho Chi Minh Branch about the change of Shinhan Vietnam Finance Company Limited – District 1 Branch. Shinhan Vietnam Finance Company Limited would like to announce that:

Changing the location of Shinhan Finance – District 1 Branch

From January 01, 2024 to the end of February 29, 2024, customers will get up to VND 700,000 per month when shopping at Shopee with Shinhan Finance credit card.
Details:
- Offer 1: Direct discount of VND 50,000
for bill from VND 400,000 when shopping at Shopee website or app, applicable for bill paid by Shinhan Finance credit card on every day (except for 01/01; 15/01; 25/01; 02/02; 25/02).
Each customer (based on the User ID purchased at Shopee with 01 Shinhan Finance credit card) eligible for 02 (twice) time per week.
- Offer 2: Direct discount of VND 100,000 for bill from VND 600,000 when shopping at Shopee website or app, applicable for bill paid by Shinhan Finance credit card on special days 01/01; 15/01; 25/01; 02/02 and 25/02.
Each customer (based on the User ID purchased at Shopee with 01 Shinhan Finance credit card) eligible for 01 (once) time per special day.
For more information about Program Terms &amp; Conditions as <a href="https://shinhanfinance.com.vn/assets/promotionTag/TnC-Chuong-trinh-Luot-Shopee-nhan-qua-nhu-y-0101-2902.pdf" target="_blank" rel="noreferrer noopener">here</a>.
Furthermore, customers will also enjoy THE FIRST’s outstanding features when making purchase transactions like:
<ul><li>“Buy first, pay later” with interest free period up to 45 days.</li><li>Flexible installment with 0% interest rate.</li><li>Unlimited accumulated bonus points with 0.5% of the transaction amounts.</li><li>Easy management and flexible use of card features via iShinhan app.</li></ul>
To learn more promotional program, please refer to information as <a href="https://shinhanfinance.com.vn/en/card-promotions" target="_blank" rel="noreferrer noopener">here</a>.
Shinhan Finance

From January 01, 2024 to the end of February 29, 2024, customers will get up to VND 700,000 per month when shopping at Shopee with Shinhan Finance credit card.

Enjoy exclusive Shopee deals with Shinhan Finance credit card

<h2>What is a credit card?</h2>
A credit card is defined as a type of card used to make transactions at card-accepting establishments such as supermarkets, convenience stores, and e-commerce sites, replacing cash payment methods. Additionally, some credit cards can be used to withdraw cash at ATMs or transaction points. 
Credit cards are usually linked to a credit account, allowing users to temporarily borrow money from the bank for a certain period. When paying with a credit card, the bank will advance the money to the seller, and the cardholder will later repay the bank for the transaction. Another convenience of credit cards is allowing customers to pay part or "gradually pay" the amount due in the account. 
<h2>Benefits of Opening an Online Credit Card</h2>
<figure><img src="/assets/news/dieu-kien-mo-the-tin-dung.png" alt="điều kiện mở thẻ tín dụng" /></figure>
Opening an <a href="https://shinhanfinance.com.vn/en/product/card/credit-card">online credit card</a> always comes with attractive offers. Users can consider the benefits of each card type to make the best choice. Below are some common offers you might receive when opening an online credit card:
<ol>
 <li>Annual fee waiver:
 Promotional programs often offer an annual fee waiver for the first year of using the credit card.</li>
 <li>0% interest rate or low-interest rate offers: Banks often provide promotional programs with a 0% or low-interest rate for a certain period for specific transactions (such as shopping, transferring debt from another credit card). <a href="https://shinhanfinance.com.vn/en/product/card/credit-card">The FIRST credit card</a> from Shinhan Finance offers a 0% annual fee rate.</li>
 <li>Reward points or cashback: Many credit cards offer reward points or cash back for each transaction or a specific spending level. These points can be exchanged for gifts, vouchers, or used for discounts on subsequent transactions.</li>
 <li>Offers at affiliated partners: There may be special offers when using credit cards at the bank's or credit institution's affiliated partners.</li>
 <li>Insurance and support services: Some credit cards offer travel, shopping insurance, or other support services like emergency assistance, financial consulting, legal support...</li>
 <li>Online registration and service use offers: If you use online banking services to manage your card, you might receive special offers such as online transaction fee waivers or other benefits. </li>
</ol>
Before opening a credit card, carefully read the terms and conditions along with any related costs to understand the offers and your commitments. 
<h2>Conditions for Opening a Credit Card</h2>
Depending on each bank or credit institution with different service offerings, the conditions for opening a credit card may vary, but there are still some common minimum conditions typically applied when customers want to open a credit card.
<ul>
 <li>The minimum age requirement to open a credit card is usually from 18 to 21. For users under 18, parental or guardian approval may be required.</li>
 <li>Personal income is a mandatory point that banks or credit institutions may require you to provide information about monthly income or financial information to ensure you could pay off debts.</li>
 <li>A positive credit profile will make it easier to open a credit card. However, if you do not have a credit profile, you may be considered based on other financial information.</li>
 <li>Household registration or ID card to verify identity, so you will need to provide information from your citizen identification or household registration along with address confirmation documents.</li>
 <li>Specific conditions from banks or credit institutions: In addition to the common conditions, each bank or credit institution may have different requirements. This may include current debt levels, transaction history, credit score... </li>
</ul>
Before applying for a credit card, you should check the specific requirements from the bank or credit institution you want to apply to ensure you meet the necessary conditions.
<h3>Opening THE FIRST Credit Card from Shinhan Finance</h3>
The conditions for opening a Shinhan Finance credit card are quite easy, and the registration process is simple. If you intend to open a card, consider consulting THE FIRST credit card from Shinhan Finance. 
Conditions for opening credit card THE FIRST 
<ul>
 <li>Age from 21 to 55 for women, from 21 to 58 for men</li>
 <li>Currently living and working in an area supported by Shinhan Finance.</li>
 <li>Monthly income from 6 million VND from salaried work. </li>
</ul>
Documentation requirement
<ul>
 <li>Documents proving residential address, such as ID card, household registration...</li>
 <li>Documents proving income source, such as labor contract, salary statement, bank statement for the last 3 months… </li>
</ul>
It's clear that the conditions and procedural requirements to complete the paperwork at Shinhan Finance are quite simple. You can register today for the earliest support. 
<h2>Benefits of Opening an Online Credit Card THE FIRST from Shinhan Finance</h2>
<figure><img src="/assets/news/dang-ky-mo-the-tin-dung.png" alt="mở thẻ tín dụng online Shinhan Finance" /></figure>
As one of the credit cards trusted by many customers, THE FIRST card from Shinhan Finance will be an optimal choice for you with outstanding benefits.
<ul>
 <li>You can shop in advance and pay later. The payment period is up to 45 days without interest.</li>
 <li>You can withdraw cash up to 100% of the credit card limit.</li>
 <li>The card has a reward point accumulation feature worth 0.5% of the transaction amount.</li>
 <li>Online transactions are quick and secure with Mastercard 3D Secure.</li>
 <li>Using Shinhan Finance's credit card, customers also receive many attractive offers at partners linked with this unit through the Shinhan Zone.</li>
 <li>Whether shopping or withdrawing cash with The First credit card is easy to perform, not time-consuming. This is considered a significant advantage of Shinhan Finance's credit card, while other banks' credit cards are very difficult to withdraw cash, or if possible, the interest is also very high.</li>
 <li>Manage the card through the iShinhan app, so customers can easily monitor and manipulate all transactions on the phone.</li>
 <li>Customers can pay in many different forms. At the same time, only need to pay from 2% or more from the statement balance each month.</li>
</ul>
Opening an online credit card is not only simple but also brings many benefits for managing your personal finances. Consider and choose a suitable product for the best experience!
Credit cards are widely used not only for their convenient functions in payments and shopping but also using a credit card responsibly and paying off debts on time can help you build a positive credit profile. However, remember that poor credit card management can lead to debt and affect your credit score.

A credit card is defined as a type of card used to make transactions at card-accepting establishments such as supermarkets, convenience stores, and e-commerce sites, replacing cash payment methods. Additionally, some credit cards can be used to withdraw cash at ATMs or transaction points. 
Credit cards are usually linked to a credit account, allowing users to temporarily borrow money from the bank for a certain period.

REGISTERING FOR A CREDIT CARD ONLINE IS EASIER THAN EVER

From December 29, 2023, Shinhan Finance offers exclusive privileges for THE FIRST cardholders when booking Vietjet Air flight tickets through the program "Book flight tickets everywhere - Get additional 1,000 Skypoint”.
Specifically, from December 29, 2023, to March 25, 2024, cardholders will receive 1,000 SkyPoint when conducting online transactions to purchase or redeem flight tickets through the valid channels mentioned above for domestic and international flights operated by Vietjet Air with a minimum payment value of VND 1,500,000.
Details:
- Valid routes: Applicable to all routes operated by VietJet Air.
- Valid ticket purchase and redemption channels:
<ul><li><a href="https://www.vietjetair.com/" target="_blank" rel="noreferrer noopener">https://www.vietjetair.com/</a></li><li><a href="https://skyjoy.vietjetair.com/redemption" target="_blank" rel="noreferrer noopener">https://skyjoy.vietjetair.com/redemption</a></li><li>VietJet Air's mobile ticket booking app</li></ul>
- Each customer (based on the SkyJoy ID with 01 Shinhan Finance credit card) eligible for 01 (once) time per month (maximum 03 times throughout the program).
- Customers must provide the information of the SkyJoy member's full name, SkyJoy account, valid booking code, and the registered email in the "Provide Information for SkyJoy Member Participating in the Promotion Program - Fly Anywhere and Receive 1,000 SkyPoint" form as <a href="https://forms.office.com/r/J5w58dyrVU" target="_blank" rel="noreferrer noopener">here</a>.
- The program is applicable concurrently with other promotion programs of Vietjet Air.
For more information about Program Terms &amp; Conditions as <a href="https://shinhanfinance.com.vn/assets/promotionTag/TnC-Chuong-trinh-Dat-ve-muon-noi-nhan-them-1000-Skypoint-2912-2503.pdf" target="_blank" rel="noreferrer noopener">here</a>.
Furthermore, customers will also enjoy Shinhan Finance’s outstanding features when making purchase transactions like:
<ul><li>Unlimited accumulated reward points with 0.5% of the transaction amounts.</li><li>Up to 45 days of free interest.</li><li>Flexible installment with 0% interest rate.</li><li>Easy management and flexible use of card features via iShinhan app.</li></ul>
To learn more promotional program, please refer to information as <a href="https://shinhanfinance.com.vn/en/card-promotions" target="_blank" rel="noreferrer noopener">here</a>.
Let’s register to open credit card today to take advantage of promotional program when using Shinhan Finance for cashless transactions.
Shinhan Finance

From December 29, 2023, Shinhan Finance offers exclusive privileges for THE FIRST cardholders when booking Vietjet Air flight tickets through the program "Book flight tickets everywhere - Get additional 1,000 Skypoint”.

Book flight tickets everywhere - Get additional 1,000 Skypoint

From Jan 01, 2024 to the end of Dec 31, 2024 Customer who sign up to open Shinhan Finance Mastercard’s THE FIRST credit card (Gold Class), also widely recognized as THE FIRST credit card, will have the opportunity to immediately be waived 100% ATM Domestic Fee for First month after issuing (*).
Condition details and program updates <a href="https://www.shinhanfinance.com.vn/assets/promotionTag/TnC_Mienphiruttienmattrong30ngay_012024.pdf" target="_blank" rel="noreferrer noopener">here</a>.
Besides, cardholders will enjoy many benefits when withdrawing cash with THE FIRST credit card:
<ul><li>Cash withdrawal up to 100% of credit card limit at ATMs with Mastercard logo,</li><li>Register via iShinhan in 5 minutes,</li><li>Earn reward point with accumulation rate 0.5% spending (No limit for point accumulation),</li><li>Flexible installment with the debt to periods up to 48 months; and more promotions up to 50% off at Shinhan Zone’s partners.</li></ul>
To learn more promotional program, please refer to information <a href="https://www.shinhanfinance.com.vn/shinhan-zone" target="_blank" rel="noreferrer noopener">here</a>.
(*) Not applicable for customer who reopen a closed card within 12 months.
Shinhan Finance

From Jan 01, 2024 to the end of Dec 31, 2024 Customer who sign up to open Shinhan Finance Mastercard’s THE FIRST credit card (Gold Class), also widely recognized as THE FIRST credit card, will have the opportunity to immediately be waived 100% ATM Domestic Fee for First month after issuing (*).

Waving ATM Domestic Fee for First month after issuing

Dear Valued Customers, 
Shinhan Vietnam Finance Company Limited would like to announce our schedule for New year 2024 Holiday as follows:
<ul><li>Monday, January 1st,2024: Closed for New year 2024 Holiday</li><li>Tuesday, January 2nd, 2024: Re-open for business</li></ul>
We strongly recommend our Customers leverage available tools and resources for 24/7 Customer supports as follows:
<ul><li>Mobile app iShinhan. Click <a href="https://www.youtube.com/watch?v=ddQGnoJv9RY">here</a> for a quick user guide. </li><li>Interactive Voice Response service 24/7 via our Hotline 1900 5454 49 (Press 1) </li><li>Facebook Shinhan Finance. Click<a href="https://m.me/shinhanfinance.official.vietnam"> here</a> for a quick experience.</li></ul>
Wish you and your family a joyful and happy holiday.
Sincerely, 
Shinhan Finance

Dear Valued Customers, 

Shinhan Vietnam Finance Company Limited would like to announce our schedule for New year 2024 Holiday as follows:

•	Monday, January 1st,2024: Closed for New year 2024 Holiday
•	Tuesday, January 2nd, 2024: Re-open for business

HOLIDAY CLOSING ANNOUNCEMENT  NEW YEAR 2024

<table>
 <tbody><tr>
 <td width="390" valign="top">From Jan 01, 2024 to the end of Dec 31, 2024, Customer who sign up to open Shinhan Finance Mastercard’s The First credit card (Gold Class), also widely recognized as The First credit card, will have the opportunity to immediately be waived 100% annual fee in 1st – year *.
The 1st – annual fee period is applied from issued card date.
Condition details and program updates <a href="https://www.shinhanfinance.com.vn/assets/promotionTag/TnC_Mienphithuongniennamdau_012024.pdf" target="_blank" rel="noreferrer noopener">here</a>.
Customer will be experienced in The First’s features such as:
<ul><li>Cash withdrawal up to 100% of credit card limit,</li><li>Register via iShinhan in 5 minutes,</li><li>Earn reward point with accumulation rate 0.5% spending (No limit for point accumulation),</li><li>0% Installment; and more promotions up to 50% off at Shinhan Zone’s partners.</li></ul>
In additional, Shinhan Finance is implementing plenty of promotions with interesting gifts. To learn more about campaign incentives, please refer to information <a href="https://www.shinhanfinance.com.vn/shinhan-zone" target="_blank" rel="noreferrer noopener">here</a>.
(*) Not applicable for customer who reopen a closed card within 12 months.
Shinhan Finance</td>
 </tr>
</tbody></table>

From Jan 01, 2024 to the end of Dec 31, 2024, Customer who sign up to open Shinhan Finance Mastercard’s The First credit card (Gold Class), also widely recognized as The First credit card, will have the opportunity to immediately be waived 100% annual fee in 1st – year *.

Free 100% annual fee on 1st year

From December 26, 2023, Shinhan Finance offers exclusive privileges for THE FIRST cardholders when booking Vietjet Air flight tickets through the program "Book flight tickets everywhere - Get additional 1,000 Skypoint”.
Specifically, from December 26, 2023, to December 28, 2023, cardholders will receive 1,000 SkyPoint when conducting online transactions to purchase or redeem flight tickets through the valid channels mentioned above for domestic and international flights operated by Vietjet Air with a minimum payment value of VND 1,500,000.
Details:
- Valid routes: Applicable to all routes operated by VietJet Air.
- Valid ticket purchase and redemption channels:
<ul><li><a href="https://www.vietjetair.com/" target="_blank" rel="noreferrer noopener">https://www.vietjetair.com/</a></li><li><a href="https://skyjoy.vietjetair.com/redemption" target="_blank" rel="noreferrer noopener">https://skyjoy.vietjetair.com/redemption</a></li><li>VietJet Air's mobile ticket booking app</li></ul>
- Each customer (based on the SkyJoy ID with 01 Shinhan Finance credit card) eligible for 01 (once) time per month.
- Customers must provide the information of the SkyJoy member's full name, SkyJoy account, valid booking code, and the registered email in the "Provide Information for SkyJoy Member Participating in the Promotion Program - Fly Anywhere and Receive 1,000 SkyPoints" form as <a href="https://forms.office.com/r/J5w58dyrVU" target="_blank" rel="noreferrer noopener">here</a>.
- The program is applicable concurrently with other promotion programs of Vietjet Air.
For more information about Program Terms &amp; Conditions as <a href="https://shinhanfinance.com.vn/assets/promotionTag/TnC-Chuong-trinh-Dat-ve-muon-noi-hoi-them-1000-Skypoint-2612-2812.pdf" target="_blank" rel="noreferrer noopener">here</a>.
Furthermore, customers will also enjoy Shinhan Finance’s outstanding features when making purchase transactions like:
<ul><li>Unlimited accumulated reward points with 0.5% of the transaction amounts.</li><li>Up to 45 days of free interest.</li><li>Flexible installment with 0% interest rate.</li><li>Easy management and flexible use of card features via iShinhan app.</li></ul>
To learn more promotional program, please refer to information as <a href="https://shinhanfinance.com.vn/en/card-promotions" target="_blank" rel="noreferrer noopener">here</a>.
Let’s register to open credit card today to take advantage of promotional program when using Shinhan Finance for cashless transactions.
Shinhan Finance

From December 26, 2023, Shinhan Finance offers exclusive privileges for THE FIRST cardholders when booking Vietjet Air flight tickets through the program "Book flight tickets everywhere - Get additional 1,000 Skypoint”.

Dear Valued Customers,
Shinhan Vietnam Finance Company Limited (Shinhan Finance) would like to announce that the Promotion program “Make payment now &amp; Get discount on iShinhan” when making payment on iShinhan mobile application and Shinhan Finance’s official website via ZaloPay e-wallet ended on December 19, 2023. Accordingly, the Program closed earlier than the scheduled time (from October 06, 2023 to the end of December 31, 2023) because of the end of promotional budget according to <a href="https://shinhanfinance.com.vn/assets/promotionTag/TnC-SVFC-x-ZaloPay-CTKM-T10-T12.2023.pdf" target="_blank" rel="noreferrer noopener">the program’s terms and conditions</a>.
We are thankful for your interest and participation in the program.
More about promotional programs, please click <a href="https://shinhanfinance.com.vn/en/news/320/khuyen-mai" target="_blank" rel="noreferrer noopener">here</a>. We are looking forward to receiving your support.
Thank you for always trusting and choosing us.
Sincerely,
Shinhan Finance

The Promotion program “Make payment now & Get discount on iShinhan” when making payment on iShinhan mobile application and Shinhan Finance’s official website via ZaloPay e-wallet ended on December 19, 2023.

Announcement: Closing the promotion program “Make payment now & Get discount on iShinhan”

After more than 1 month of implementation from November 10 to December 16, the "Young Consumers in E-commerce" Contest 2023 has spread to thousands of students, lecturers, and consumers nationwide through 3 rounds Contest both online and offline.
After more than 1 month of implementation from November 10 to December 16, the "Young Consumers in E-commerce" Contest 2023 has spread to 10 universities and colleges participates, 10,000 participants, 05 universities/colleges entered the final round. The final round of the Contest attracted 1,000 fans and 30 media units reported on this Contest. <figure><img src="/assets/news/Ban-giám-khảo-chấm-điểm-cho-các-Đội-tham-gia-Vòng-chung-kết-Cuộc-thi.jpg" alt="" /></figure>
According to the results of a survey of consumer needs in 25 countries and territories, including Vietnam, published by PwC, consumers, especially young Millennials and Z generation consumers, are increasingly preferring form of online shopping and said they would continue to choose this form of shopping in the future (at a rate of 50%) . However, despite their preference for online shopping, many young people do not fully understand how to protect their consumer rights in online transactions comprehensively. Therefore, by co-organizing the "Young Consumers in E-commerce" Contest in 2023, Shinhan Finance wishes to contribute to helping Vietnamese young people improve their knowledge and ability to protect their consumer rights in digital world, includes online financial services, such as online payment and online lending. 
<figure><img src="/assets/news/Các-vấn-đề-đang-nóng-hổi-đã-được-đưa-lên-sân-khấu-cùng-các-giải-pháp-giúp-người-tiêu-dùng-an-tâm-khi-mua-sắm-trực-tuyến.jpg" alt="" /></figure>
At the Final round of the Contest, which took place on November 16th 2023, the competing teams demonstrated solid knowledge. Current “hot” issues have been brought to the stage with solutions, such as stories about "usury", scamming from faked apps, identify thief as the result of unsafe online transactions, etc. With this essential knowledge, consumers can completely identify and choose reputable and secured financial service products and ensure the safe when shopping online.
<figure><img src="/assets/news/Thông-qua-hoạt-động-Shinhan-Finance-mong-muốn-góp-phần-giúp-các-bạn-trẻ-Việt-Nam-nâng-cao-kiến-thức-năng-lực-tự-bảo-vệ-khi-mua-sắm-trực-tuyến_2023-12-18-103402.jpg" alt="" /></figure>
In addition, Shinhan Finance is also active in many activities to spread the spirit of kindness and green lifestyle for the community such as: program to share, reuse old utensils; blood donation activities and especially two annual community programs: “Fulfil Your Dreams and Happiness” children book sponsorship and Good Hallyu Project have been held for over 6 years. 
Doing business in Vietnam market, Shinhan Finance commits to always accompanying consumer rights, implementing programs towards the community, and creating a foundation for sustainable development for the Vietnamese Community.
Shinhan Finance

(HCMC) – Shinhan Finance Vietnam Limited Company (Shinhan Finance) accompanied Viet Nam Competition Commission (VCC) and Trade Magazine (Ministry of Industry and Trade) to organize the "Young consumers in e-commerce" Contest 2023. This is a regular activity to propagate and disseminate policies, laws, knowledge, and consumer skills to protect consumer rights in digital era.

Shinhan Finance helps young consumers protect their rights in digital world

An unsecured loan based on salary is a type of loan where the borrower doesn't need to provide collateral. Instead, the borrower's salary or fixed monthly income serves as the basis for the loan amount and guarantees the ability to repay.
It's particularly useful for individuals who don't have assets to use as collateral or prefer not to put their assets at risk for the loan. However, interest rates and terms for these loans might be higher compared to secured loans, due to the higher risk involved for the lender. Before applying, careful consideration and review of specific terms are essential to ensure you can repay without difficulty.
<h2>Advantages of Salary-Based Unsecured Loans:</h2>
<ol>
 <li>No Need for Collateral: Unlike secured loans, unsecured loans don't require borrowers to pledge assets like property, vehicles, or tangible assets. This helps borrowers avoid the risk of losing assets if they are unable to repay the loan.</li>
 <li>Simple and Quick Procedures: The process for salary-based unsecured loans is straightforward and rapid, saving time and effort in preparing documents. Income confirmation is quick; borrowers can easily prove repayment capability through fixed monthly income from salary (transferred, directly received), or other income sources.</li>
 <li>Accessibility for Many: These loans often don't have stringent financial conditions or mandatory ownership of specific assets. Therefore, they suit office workers, laborers, or those with social security benefits, widening access to financial resources.</li>
</ol>
With these advantages, an <a href="https://shinhanfinance.com.vn/en/product/personal-loan">unsecured loan based on salary</a> is an optimal choice for those needing quick loans without putting personal assets as loan collateral, avoiding loans from unlicensed lenders that charge extremely high interest rates.
<h2>Requirements for Salary-Based Unsecured Loans: </h2>
<figure><img src="/assets/news/dieu-kien-vay-tin-chap-qua-luong.png" alt="điều kiện vay tín chấp qua lương" /></figure>
Conditions for these loans may vary depending on banks, credit institutions, or specific financial entities. However, here are some common prerequisites for borrowers seeking these loans:
<ol>
 <li>Stable and Verified Income: Steady income: The borrower needs to prove a stable income from salary or another fixed income source. This assurance requires providing documents such as pay stubs, employment contracts, or other evidence of monthly income.</li>
 <li>Age Criteria: Age range: Typically between 20 to 60 (or 65) years old is suitable for loan applications; however, this can vary depending on the financial institution's regulations.</li>
 <li>Good Credit History: Financial institutions require a good credit record to ensure repayment capability.</li>
 <li>Employment: Some lenders may require a certain period of employment or stable job tenure.</li>
 <li>Legal Documentation: Personal documents: ID card, proof of residence, utility bills... Employment documentation: Documents related to employment and income like employment contracts, salary slips, social insurance...</li>
 <li>Loan Characteristics: Loan amount: The loan amount might impact the necessary conditions; larger amounts might require stricter conditions.</li>
</ol>
Specific conditions might vary based on policies and regulations of each financial institution. Researching and understanding these conditions before applying are crucial for successful loan applications.
<h2>Loan Application Process Based on Salary: </h2>
<figure><img src="/assets/news/thu-tuc-vay-qua-luong.png" alt="thủ tục vay tín chấp qua lương" /></figure>
The application process for salary-based loans typically involves these basic steps:
<ol>
 <li>Research and Choose a Bank/Credit Institution:</li>
</ol>
<ul>
 <li>Investigate banks or credit institutions offering salary-based loan services.</li>
 <li>Compare interest rates, loan terms, and associated fees.</li>
</ul>
 2. Prepare Necessary Documents:
<ul>
 <li>Personal documents: ID card, proof of residence, utility bills...</li>
 <li>Income-related documents: Employment contract, pay stubs, bank statements...</li></ul>
 3. Submit Loan Application: 
<ul>
 <li>Fill out the loan application form (either in-person or through online channels) provided by the bank or credit institution.</li>
 <li>Submit the required documents along with the application.</li>
</ul>
 4. Verification and Assessment of Documents:
<ul>
 <li>The bank/credit institution will verify the information in your documents.</li>
 <li>They'll assess your repayment capacity and confirm your fixed monthly income.</li></ul>
 5. Approval and Contract Signing:
<ul>
 <li>Upon approval, the bank or credit institution will send an approval notification and loan terms.</li>
 <li>If agreed, you'll proceed to sign the loan agreement.</li></ul>
 6. Receive Loan Funds:
<ul>
 <li>After signing the agreement, you'll receive the loan either directly or through bank transfer.</li>
</ul>
Notes:
<ul>
 <li>The procedural timeline may differ according to each bank or credit institution.</li>
 <li>Reading and understanding the loan agreement's terms, including interest rates, tenure, and related fees, is essential.</li>
 <li>Timely repayments help improve your credit score, facilitating future borrowing.</li></ul>
<h2>Specific types of salary-based unsecured loans popular today:</h2>
<figure><img src="/assets/news/hinh-thuc-vay-tin-chap-theo-luong.png" alt="hình thức vay tín chấp theo lương" /></figure>
<ol>
 <li>Commercial Banks: Traditional unsecured loans: Commercial banks offer unsecured loans based on salary for individuals with stable incomes from large corporations or organizations.</li>
 <li>State-Licensed Financial Institutions: Non-bank financial companies: These might offer salary-based unsecured loans with more flexible conditions compared to traditional banks.</li>
</ol>
Each financial company might have different policies, conditions, and levels of flexibility in offering these loans. Borrowers should research thoroughly, compare conditions, interest rates, and terms to choose the most suitable loan package.
<h3>Conclusion: </h3>
Thanks to its simple and fast process, unsecured loans based on salary provide convenient access to funds without requiring collateral. The flexibility in direct transfers or receiving cash also adds to the borrower's convenience. However, careful selection considering terms, interest rates, and policies of financial institutions is crucial. This helps borrowers make informed decisions aligning with their needs and repayment abilities.
To learn more about <a href="https://shinhanfinance.com.vn/en/product/personal-loan">salary-based unsecured loans</a> and apply to experience the convenience and flexibility in meeting your financial needs, check with Shinhan Finance for detailed and accurate guidance!

An unsecured loan based on salary is a type of loan where the borrower doesn't need to provide collateral. Instead, the borrower's salary or fixed monthly income serves as the basis for the loan amount and guarantees the ability to repay.

Unsecured Loan Based on Salary: What You Need to Know When Applying

Shinhan Finance collaborates with Xanh SM to offer a cashless payment method, making commuting more convenient. 
A special gift exclusively for THE FIRST cardholders when entering the card and making payments for their trips on the Xanh SM app: Instantly receive 02 codes for 50% off, up to 30,000 VND each, when booking any ride.

Terms and conditions:


<ul><li>Implementation period: From December 1st, 2023, to December 31st, 2023</li><li>The offer is applicable when booking services such as Xanh SM Taxi, Xanh SM Luxury, and Xanh SM Bike on the Xanh SM app.</li><li>Each customer can use the discount code 02 times per day throughout the program period.</li></ul>
For more information about Program Terms &amp; Conditions as <a href="https://shinhanfinance.com.vn/assets/promotionTag/Dieu-kien-va-dieu-khoan-CTKM-Xanh-SM.pdf" target="_blank" rel="noreferrer noopener">here</a>.
Furthermore, customers will also enjoy Shinhan Finance’s outstanding features when making purchase transactions like:



<ul><li>Unlimited accumulated reward points with 0.5% of the transaction amounts.</li><li>Up to 45 days of free interest.</li><li>Flexible installment with 0% interest rate.</li><li>Easy management and flexible use of card features via iShinhan app.</li></ul>
To learn more promotional program, please refer to information as <a href="https://shinhanfinance.com.vn/en/card-promotions" target="_blank" rel="noreferrer noopener">here</a>.
Let’s register to open credit card today to take advantage of promotional program when using Shinhan Finance for cashless transactions.
Shinhan Finance.

Shinhan Finance collaborates with Xanh SM to offer a cashless payment method, making commuting more convenient.

Xanh SM now – Off 50% from Shinhan Finance

Since 2021, the Ministry of Public Security has begun implementing the issuance of Citizen Identification Card (commonly known as e-ID Card). The e-ID Card with an embedded chip serves as the personal identification document for Vietnamese citizens, used for identification, verifying personal identity, and as a key to access citizens' information in the national database system. With the electronic chip-embedded e-ID Card, citizens can carry out public administrative transactions and financial dealings.
Therefore, individuals need to be cautious to avoid the risk of exposing sensitive personal information and prevent malicious exploitation of this type of personal identification document.
The potential risks associated with losing or exposing the e-ID Cards
The front side of the chip-embedded e-ID Card contains a QR code containing all Personal Identifiable Information (PII) of the cardholder, such as the personal identification number, previous national ID number, and permanent address. The electronic chip of the e-ID Card holds more information beyond the QR code about an individual, including personal images, information about parents, spouses, and more. Additionally, most smartphones available on the market today integrate Near-Field Communications (NFC) technology to easily read information from the chip.
Therefore, if individuals fail to properly secure their e-ID Card, malicious entities can easily exploit it to apply for loans from financial institutions or register phone numbers for fraudulent purposes. This behavior can subject the victim to various risks and burdens, such as shouldering debts for loans they did not take.
Some preventive methods to mitigate these risks
Shinhan Finance advises its customers to enhance vigilance and take proactive measures to protect themselves from the risks associated with the illegally use of personal identification documents, including:
-Refrain from posting or sharing images of the e-ID Cards on social media.
-Store the e-ID Cards and other personal documents, avoiding leaving them in public places or within sight of others.
-Never lend the e-ID Cards to anyone for any purpose without maintaining control over it.
-Avoid using the e-ID Card number or date of birth as passwords for banking or financial applications.
-Avoid installing apps with unclear origins or disclosing personal information or e-ID Card images on these apps to prevent the risk of personal information theft.
-Verify the identity when receiving calls, messages, or emails from financial institutions by directly contacting them through the information published on their official website.
-Refrain from buying, selling, lending, or renting out the e-ID Cards under any circumstances.
-Report to the nearest police station if there is suspicion of identity theft or in the event of losing the e-ID Cards, for necessary assistance.
----------------------
Shinhan Finance is a Consumer Finance Company licensed by the State Bank of Vietnam. The Company publish official and comprehensive information about all our products, services, and lending processes at
<ul><li>Website: www.shinhanfinance.com.vn.</li><li>Official Zalo account of Shinhan Finance at <a href="https://bit.ly/ShinhanFinance-Zalo-official">https://bit.ly/ShinhanFinance-Zalo-official</a></li></ul>

<ul><li>Official Facebook account of Shinhan Finance at <a href="https://www.facebook.com/shinhanfinance.official">www.facebook.com/shinhanfinance.official</a></li><li>iShinhan mobile application:</li></ul><figure><img src="/assets/news/ishinhan.png" alt="" /></figure>

The Chip-based Citizen Identification Card (e-Id Card) is a personal document for Vietnamese citizens, used for identification, personal identity verification, and serves as the key to access citizens' information within the national database system. Therefore, it's easy to understand that counterfeiting e-ID cards can create numerous potential risks.

Be careful with the deceptive use of  Chip-based Citizen Identification Card

<h2>Unsecured loans - What Are They?</h2>
Unsecured loans are a flexible and convenient financial service that is increasingly becoming a popular choice for individuals in their lives. This is a form of lending that doesn't require collateral but relies entirely on an individual's creditworthiness regarding their ability to repay, serving personal consumption purposes. It could be a loan for lifestyle needs like organizing a wedding, traveling, or purchasing consumer goods such as TVs, air conditioners, or phones.
The process of unsecured lending is usually carried out through financial institutions. These institutions provide specific loan amounts to users with flexible terms and conditions in the contract, competitive interest rates, and clear repayment periods. This makes unsecured loans a preferred choice for those in need of quick and convenient capital.
<h2>Common types of unsecured loans</h2>
<figure><img src="/assets/news/vay-tin-chap.png" alt="các loại hình vay tín chấp" /></figure>
Based on the needs and individual conditions of borrowers, financial institutions offer various types of unsecured loans. Here are some common types:
<ol>
 <li>Personal Loans: Used for personal expenses, shopping, travel, or paying personal debts.</li>
 <li>Home Improvement Loans: Upgrading, enhancing homes, or purchasing furniture.</li>
 <li>Education Loans: Tuition fees, books, laptops, etc.</li>
 <li>Wedding Loans: Costs related to organizing weddings, wedding parties, attire, services, etc.</li>
 <li>Small Business Unsecured Loans: Providing capital for small and medium businesses, bill payments, business expansions, etc.</li>
 <li>Secured-Unsecured Loans Combination: Loans secured against assets like real estate, cars, for lower interest rates.</li>
 <li>Loans for Salaried Individuals: Allowing employees with monthly income to borrow for personal expenses.</li>
</ol>
Each type of unsecured loan has its strengths and weaknesses. Choosing the appropriate type depends on your capital utilization purposes and your repayment capabilities.
Applying for Unsecured Loans - Simple Procedures, Quick Results
Customers only need to fill out an online unsecured loan application or apply directly at the branches of financial institutions. Throughout the process and documentation, you will receive guidance from staff. The simple procedures help save time, enabling you to acquire capital quickly.
<h2>Applying for Unsecured Loans - Simple Procedures, Quick Results</h2>
Customers only need to fill out an <a href="https://shinhanfinance.com.vn/en/product/personal-loan">online unsecured loan</a> application or apply directly at the branches of financial institutions. Throughout the process and documentation, you will receive guidance from staff. The simple procedures help save time, enabling you to acquire capital quickly.
<figure><img src="/assets/news/dang-ky-vay-tin-chap-1.png" alt="đăng ký vay tín chấp" /></figure>
<h3>Where to Apply for Unsecured Loans?</h3>
<ol>
 <li>Banks:</li>
 </ol>
<ul>
 <li>Pros: High credibility, reliability, various loan products, competitive interest rates.</li>
 <li>Cons: Complex application procedures, high income and asset criteria.</li>
 </ul>
 Financial Companies:
<ul>
 <li>Pros: Simple procedures, competitive interest rates, flexible services.</li>
 <li>Cons: Interest rates might be higher than banks.</li>
 </ul>
When choosing a financial company, placing trust in a professional and humane organization is crucial. You may consider exploring loan packages at <a href="https://shinhanfinance.com.vn/en/product/personal-loan">Shinhan Finance</a>, an institution recognized by the National Credit Information Center (CIC) as an exemplary unit in credit information activities in 2022.
<h2>Unsecured loans for small businesses and notices when borrowing?</h2>
<figure><img src="/assets/news/vay-tin-chap-ho-kinh-doanh_2023-11-30-044901.png" alt="vay tín chấp cho hộ kinh doanh" /></figure>
Getting unsecured loans for small businesses depends on several factors:
<ol>
 <li>Lender requirements:</li>
 </ol>
<ul>
 <li>Some banks or lending institutions have programs specifically for businesses.</li>
 <li>Requirements could relate to monthly revenue, business history, or the individual credit profile of the business owner.</li>
 </ul>
 Nature of the business:
<ul>
 <li>Different definitions exist for businesses (could be sole proprietors, small shops, small and medium enterprises).</li>
 <li>The nature and scale of the business can impact the ability to secure unsecured loans.</li>
 </ul>
 Financial essentials and documentation:
<ul>
 <li>Clear financial records, stable income, and good business history can enhance loan eligibility.</li>
 <li>Some lenders may require evidence of profits or cash flow to prove repayment capability.</li>
 </ul>
 Purpose of capital usage:
<ul>
 <li>Depending on the capital utilization, some lenders offer specific unsecured loan products for small businesses.</li>
 </ul>
Advice:
<ul>
 <li>Understand conditions and requirements: It's crucial to understand the terms and conditions of banks or lenders before applying.</li>
 <li>Prepare clear financial records: Ensure your small business's financial records are well-prepared to demonstrate repayment ability and business prospects.</li>
</ul>
<h3>Conclusion</h3>
With the information provided, you now have a clearer understanding of what unsecured loans are and whether they can be availed of for businesses. Don't hesitate to apply promptly to access flexible and fast capital to meet your financial needs. Learn more about unsecured loans and apply now to experience the convenience and flexibility in fulfilling your financial requirements at Shinhan Finance !

Unsecured loans are a flexible and convenient financial service that is increasingly becoming a popular choice for individuals in their lives. This is a form of lending that doesn't require collateral but relies entirely on an individual's creditworthiness regarding their ability to repay, serving personal consumption purposes. It could be a loan for lifestyle needs like organizing a wedding, traveling, or purchasing consumer goods such as TVs, air conditioners, or phones.

What is an unsecured loan? Can businesses get unsecured loans?

From November 17, 2023, Shinhan Finance offers exclusive privileges for THE FIRST cardholders on GrabFood and GrabCar/ GrabBike through the program "Choose THE FIRST credit card and enjoy double discount on Grab”.
Specifically, from November 17, 2023 to December 16, 2023, cardholders will receive 2 offers every day when ordering food on GrabFood and booking transportation on GrabCar/ GrabBike on Grab with Shinhan Finance credit card.
Details:
- Offer 1: Enter code SVFC1 to receive a discount of VND 30,000 for initial orders with a minimum value of VND 80,000 for GrabFood services on the Grab app.
Each cardholder can use 01 GrabFood e-code per day.
- Offer 2: Enter code SVFC to receive a discount of VND 20,000 for orders with a minimum value of VND 60,000 for GrabCar/ GrabBike services on the Grab app.
Each cardholder can use 01 GrabCar/ GrabBike e-code per day.
In addition, customers should note:
<ul><li>The number of e-codes is limited each day.</li><li>Kindly update the latest Grab app version to apply promotional codes from Shinhan Finance.</li></ul>
For more information about Program Terms &amp; Conditions as <a href="https://shinhanfinance.com.vn/assets/promotionTag/The-le-Dat-Grab-moi-ngay-Shinhan-Finance-tang-gap-doi-uu-dai.pdf" target="_blank" rel="noreferrer noopener">here</a>. 
Furthermore, customers will also enjoy Shinhan Finance’s outstanding features when making purchase transactions like:
<ul><li>Unlimited accumulated reward points with 0.5% of the transaction amounts.</li><li>Up to 45 days of free interest.</li><li>Flexible installment with 0% interest rate.</li><li>Easy management and flexible use of card features via iShinhan app.</li></ul>
To learn more promotional program, please refer to information as <a href="https://shinhanfinance.com.vn/en/card-promotions" target="_blank" rel="noreferrer noopener">here</a>.
Let’s register to open credit card today to take advantage of promotional program when using Shinhan Finance for cashless transactions.
Shinhan Finance

From November 17, 2023, Shinhan Finance offers exclusive privileges for THE FIRST cardholders on GrabFood and GrabCar/ GrabBike through the program "Choose THE FIRST credit card and enjoy double discount on Grab”.

Choose THE FIRST credit card and enjoy double discount on Grab

From November 15, 2023 to December 31, 2023, Shinhan Finance customers when paying on the iShinhan mobile application via VNPAY-QR payment gateway will receive an attractive promotional code:
<ul><li>Enter promotion code VNPAYSVFC15, discount of 15,000 VND for payments from 1,000,000 VND</li><li>The promotion program is implemented from 15/11/2023 to 31/12/2023.</li><li>The promotional value will be automatically subtracted from the total payment amount during a successful transaction.</li><li>Customers are eligible to apply the promotional code once every 15 days, with a maximum limit of two uses per month.</li></ul><div>Note:</div><ul><li>The program is exclusively applicable to customers who settle their financial invoice amounts through VNPAY-QR within the iShinhan application.</li><li>Offer does not apply to refunds or cancellations.</li></ul>
Click <a href="https://www.shinhanfinance.com.vn/assets/promotionTag/TnC-SVFC-CTKM-VNPAY.pdf" target="_blank" rel="noreferrer noopener">here</a> for more information on the programs’ terms and conditions.
iShinhan is a mobile application that integrates comprehensive technology solutions on a digital platform. With this application, Customers can easily register and track the loan approval process with new preeminent utilities. iShinhan is currently using the e-KYC solution applied to the loan application process in customer identification. Thanks to the support of advanced technologies, Customers reduce the steps to provide information and have a better experience with Shinhan Finance's services.
Right on the iShinhan application, customers can not only register for Shinhan Finance's loan products, but also monitor the appraisal and underwriting process of their application and loan payment.
Create a Shinhan Finance loan management account on the iShinhan application to experience the full benefits and incentives.
<figure><img src="/assets/news/ishinhan.png" alt="" /></figure>
Scan to download iShinhan app 
Shinhan Finance.

From November 15, 2023 to December 31, 2023, Shinhan Finance customers when paying on the iShinhan mobile application via VNPAY-QR payment gateway will receive an attractive promotional code.

PAY LOAN SHINHAN FINANCE WITH VNPAY-QR, RECEIVE A DISCOUNT OF 15,000 VND

Dear valued customers,
According to provided information by customers, some people introduced themselves as employees of Shinhan Finance Vietnam who can support quick loans at low interest rates and with online contracts signing. 
Particularly, these scammers use websites named "SHINHAN Vietnam" and fake domain names with the word "shinhan" or combined with "tai chinh” (finance) and "bank" to promote, offer loans, collect customer information, instruct procedures and loan processing to customers. Please refer to the illustration in this article for more details. 
Shinhan Finance would like to announce that our loan and credit card online application service is only available on the following two channels:
- Official website: www.shinhanfinance.com.vn
- Mobile application: iShinhan
The online loan agreements signing, if any, is also implement directly via video by our underwriters, which is only available on iShinhan mobile application and complies with strict authentication requirement of local authorities.
Please kindly note that providing personal information to scammers will lead to the risk of unauthorized use of the information for illegal activities. 
Shinhan Finance recommends that when there is any suspicion of being approached by scammers, customers immediately stop interacting and check with us by one of the following ways:
- Contact the official hotline: 1900 5454 49
- Customer care email: dvkh@shinhanfinance.com.vn
- Zalo: <a href="https://bit.ly/ShinhanFinance-Zalo-official">https://bit.ly/ShinhanFinance-...</a>
- Facebook: <a href="https://www.facebook.com/shinhanfinance.official.vietnam">https://www.facebook.com/shinh...</a>
In case the customer has sent any information to the scammer, please quickly report to the Police for support. 
We will take legal steps in accordance with the provisions of law against any organizations or individuals who illegally use Shinhan Finance brand for scamming.<figure><img src="/assets/news/Cảnh-báo-mạo-danh-Shinhan-Finance_ENG_1.png" alt="" /></figure><figure><img src="/assets/news/Cảnh-báo-mạo-danh-Shinhan-Finance_ENG_2.png" alt="" /></figure>
Images: Scammer used fake website and faked domain of Shinhan Finance brand
Shinhan Finance is a consumer finance company licensed by The State Bank of Vietnam, we publish official and trusted information about all products, services and processes at:
<ul><li>Website: www.shinhanfinance.com.vn.</li><li>Zalo Official Account: <a href="https://bit.ly/ShinhanFinance-Zalo-official">https://bit.ly/ShinhanFinance-...</a></li><li>Facebook Official Account:www.facebook.com/shinhanfinance.official</li></ul>
iShinhan mobile application: <figure><img src="/assets/news/ishinhan.png" alt="" /></figure>

Many malicious entities are impersonating the Shinhan Finance to illegally collect customer data. Therefore, it is recommended that when there is any suspicion of being approached by scammers, customers immediately stop interacting and check with Shinhan Finance.

Warning about impersonating Shinhan Finance to illegally collect customer data

From November 08, 2023, when taking out a two-wheeler instalment loan with Shinhan Finance, customers will receive extremely attractive offers through the program “Buy two-wheeler in instalment to waive free interest up to VND 500,000". 
Accordingly, from November 08, 2023 to December 31, 2023, customers will be waived free interest up to VND 500,000 of 1st EMI’s when get new disbursed installment loan by Shinhan Finance.
The program is applied at the motorcycle shop system associated with Shinhan Finance. During the promotional period, the number of customers that register loans is restricted. 
Click <a href="https://www.shinhanfinance.com.vn/assets/promotionTag/The-le-chuong-trinh-khuyen-mai-mua-xe-hoan-lai.pdf" target="_blank" rel="noreferrer noopener">here</a> to get T&amp;C information.
Along with the offter from the program, Shinhan Finance also brings many other benefits to help people with conditions to own motorbikes easily and safely: 
<ul><li>Flexible term up to 48 months;</li><li>No application fee, no appraisal fee, and any other additional fees.</li></ul>
Shinhan Finance

From November 08, 2023, when taking out a two-wheeler instalment loan with Shinhan Finance, customers will receive extremely attractive offers through the program “Buy two-wheeler in instalment to waive free interest up to VND 500,000".

Buy two-wheeler in instalment to waive free interest up to VND 500,000

Do you know that you can register a loan/ a credit card of Shinhan Finance automatically through iShinhan application? 

Accordingly, on iShinhan, you can easily register for a loan up to 300 million VND, or a credit card through a quick automation process with 4 steps:





<figure><img src="/assets/news/Artboard-1.png" alt="" /></figure><figure><img src="/assets/news/Artboard-2.png" alt="" /></figure><figure><img src="/assets/news/Artboard-3.png" alt="" /></figure><figure><img src="/assets/news/Artboard-4.png" alt="" /></figure>
 Open iShinhan and experience it now!
Shinhan Finance.

Do you know that you can register a loan/ a credit card of Shinhan Finance automatically through iShinhan application?

APPLY LOAN & CREDIT CARD OF SHINHAN FINANCE EASILY ON iSHINHAN

Are you ready to participate in the super promotion program when purchasing in installments through Shinhan Finance at the Nguyen Kim shopping center system?
Specifically, from November 1, 2023 to November 23, 2023, customers buy products worth 3 million VND or more directly at Nguyen Kim stores nationwide and choose the form of loan. If you pay in installments through Shinhan Finance, you will immediately participate in the "Lucky Wheel" program with the opportunity to win super valuable prizes including:
Award structure:
<ul><li>01 1st: Vespa Sprint S 125 Grey</li><li>01 2nd: iPhone 15 128GB</li><li>03 3rd: Apple AirPods 2- MV7N2VN/A</li></ul>
Contest format:
After the customer completes the product purchase procedure, staff at Nguyen Kim shopping center will print the retail receipt and lottery ticket and give it to the customer (the document number on the receipt and lottery ticket is the same). Customers fill in personal information on the lottery ticket and put it directly in the ballot box. The deadline to put ballots in the box is 9:00 p.m. November 23, 2023.
Time, location, and method of determining winning prizes:
The lottery ballot box will be delivered to Nguyen Kim Thu Duc (307-309 Vo Van Ngan, Thu Duc City, Ho Chi Minh City) before 5:00 p.m. on November 30, 2023. It is expected that on December 8, 2023, a lottery will be conducted to find the lucky winner.
Award time is within 45 days from the end of the program November 23, 2023 (Deadline for receiving rewards is January 7, 2024).
Note:
- Notice of winning results will be posted publicly and officially via Nguyen Kim Fanpage.
- Customers who are lucky enough to win will go directly to Nguyen Kim TTMS to receive the prize or have it sent to the customer's address.
- Winning customers must bear the costs of irregular income tax (if any), registration tax, license plate registration fees, vehicle documents as prescribed by law and shipping fees as requested by the customer. 
- Prizes will not be recognized in case the winning customer returns the goods or cancels the installment contract.
Click <a href="https://www.shinhanfinance.com.vn/assets/promotionTag/THE-LE-CTKM-SVFC-NK-THANG-11-2023.pdf" target="_blank" rel="noreferrer noopener">here</a>
for more information on the programs’ terms and conditions
Shinhan Finance.

Are you ready to participate in the super promotion program when purchasing in installments through Shinhan Finance at the Nguyen Kim shopping center system?

Shinhan Finance & Nguyen Kim promotional program November 2023

Consumer loans are becoming a popular form of borrowing from various financial institutions. Each institution has its own regulations and conditions for customers, so it's essential to understand and pay attention to the following information before deciding to borrow.
Distinguishing Types of Consumer Loans
Secured loans
Secured loans (loans with collateral) are a common form of consumer lending offered by many banks, and they are a preferred choice for many customers. With this type of loan, customers must have assets to secure the loan approval.
Secured loans offer several outstanding advantages, including relatively low interest rates, typically averaging around 7% per year, and a maximum loan term of up to 25 years. Customers can access substantial loan amounts, potentially up to 70% of the collateral's value.
See more: <a href="https://shinhanfinance.com.vn/news/post/100819/4-thong-tin-can-nam-ve-hinh-thuc-vay-tieu-dung-lai-suat-thap">Low-interest consumer loans</a>
Unsecured Loans
Unsecured Loans When applying for unsecured loans, customers do not need to pledge assets as collateral. In this case, financial companies approve loans based on income documentation and the customer's creditworthiness.
This type of borrowing does not require collateral, and the application process is straightforward, usually taking only 1-2 days to complete. The disbursement process is also swift, helping meet customers' shopping and consumption needs.
Unsecured Loans at Shinhan Finance
Shinhan Finance provides financial services to help millions of domestic customers achieve success, contribute to overall prosperity, and support sustainable development throughout Vietnam.
We offer numerous significant benefits for customers seeking unsecured loans at Shinhan Finance:
<ul>
 <li>Minimum interest rates ranging from 18% to a maximum of 40% per year, calculated on the reducing balance.</li>
 <li>Loan amounts of up to 12 times the monthly income, with a maximum of 300 million VND, for personal and lifestyle purposes.</li>
 <li>Loan terms ranging from a minimum of 12 months to a maximum of 48 months.</li>
 <li>Disbursement within 48 hours after the loan application is approved.</li>
</ul><figure><img src="/assets/news/1_2023-10-23-085620.jpg" alt="" /></figure>
Key Considerations When Taking Out Consumer Loans
When applying for unsecured <a href="https://shinhanfinance.com.vn/product/vay-tin-chap">consumer loans</a>, customers should pay close attention to the following:
Document Submission
The document submission process is crucial when applying for consumer loans. Thoroughly prepared and complete documentation that aligns with your financial capability and creditworthiness will lead to faster loan approval. When preparing your loan application, ensure that you provide all the required and accurate information. You can also seek guidance from loan officers to review your documents to ensure they meet the necessary standards.
See more: <a href="https://shinhanfinance.com.vn/news/post/95349/vay-tin-chap-lai-suat-bao-nhieu">What is the interest rate for unsecured loans?</a>
Budget Planning
To alleviate financial pressure and mitigate the risk of being unable to repay your loan, it's essential to plan and budget before taking out a consumer loan. Beyond your fixed monthly expenses, you will have to account for loan repayments and interest. A detailed budget plan empowers you to manage your finances proactively and minimize financial stress.
Choosing the Right Loan Package
The choice of loan package depends on your specific funding needs. If you require a substantial loan amount, you may need to offer collateral, which typically results in lower interest rates. Conversely, smaller loans without collateral usually come with higher interest rates. Therefore, it's important to thoroughly research and understand the available loan options and select the one that aligns with your needs and repayment capacity.<figure><img src="/assets/news/2_2023-10-23-085621.jpg" alt="" /></figure>
Careful Review of Contract Terms
When taking out consumer loans, borrowers should carefully scrutinize every clause in the contract to ensure legal compliance and prevent future disputes. Some key aspects to pay attention to in the loan agreement include:
<ul><li>The total amount due at the end of the loan term, the applicable interest rate, any incurred or additional fees.</li><li>Loan repayment period and the option for early repayment.</li><li>Payment methods: bank transfers, cash, credit cards, etc.</li><li>Loan disbursement date and interest calculation method.</li><li>Obligations and responsibilities of both the lender and the borrower, along with data security clauses.</li></ul>
Consumer loans are a prevalent financing option in the current market. Depending on your financial needs and capabilities, you can choose the most suitable loan package. Remember that a detailed spending plan is essential to reduce financial pressure during the borrowing process.

Consumer loans are becoming a popular form of borrowing from various financial institutions. Each institution has its own regulations and conditions for customers, so it's essential to understand and pay attention to the following information before deciding to borrow.

Important Considerations When Taking Out Consumer Loans

Dear valued customers and partners,
In October, our Company celebrates 17th anniversary since its first establishment and growth in the Vietnam market. This event marks a significant milestone for our company, recognizing good experiences and values that we have collectively built together. On this special occasion, on behalf of the Company’s Leadership, I would like to express my sincere gratitude to all our customers and partners who have trusted and accompanied us throughout this journey. 
Shinhan Finance with our tireless effort, not only act to develop transparent business in Vietnam, but also towards sustainable development and commitment to long-term service here. We inherits the compassionate finance values from the mother company Shinhan Card (Korea) and consistently commits to our mission of contributing to a better world through the power of finance. In this journey, we are fortunately to have the support from great partners in various business sectors who share the same vision with us to upgrade the life quality of the Vietnamese people.
At the 17th anniversary of our company's establishment, under the message "Let's do Good," we reaffirm our dedication to the sustainable values that Shinhan Finance is pursuing and consistently implementing. We hope to continue receiving the trust from our valued customers and partners in the forthcoming stages. Together, we collaborate to create a better world.
Sincerely,
Shinhan Finance

Dear valued customers and partners,

In October, our Company celebrates 17th anniversary since its first establishment and growth in the Vietnam market. This event marks a significant milestone for our company, recognizing good experiences and values that we have collectively built together.

Message from Board of Director's Shinhan Finance on 17th year anniversary of The Company

17 years of building &amp; maintaining customers’ trust
With a customer-centric business strategy, the Company has strived to “Let’s do Good” to serve millions of Vietnamese customers for years. Shinhan Finance is continuously researching, developing, diversifying financial products, responding to consumption needs of customers. The company has also successfully launched several flexible financial programs and solutions to support more than 1 million local customers fulfilling their dreams and life quality enhancement.
After 17 years of operation, the Company has developed a nationwide business network with 10 branches, 26 service introduction points, and a thousand of employees and sales agents, thereby, helping customers easily access and choose financial products and services. Shinhan Finance also continuously expands its network of strategic partners such as Mastercard, Grab, ZaloPay, MoMo, Shopee… to deliver convenient and value-added experiences to customers. Particularly, Shinhan Zone program has cooperated with more than 150 brands, stores, multi-field partners, meeting the needs of consumer shopping, tourism, resort... for The First credit cards’ owners across the country.
<figure><img src="/assets/news/Banh-Kem_2140x1274_2023-10-10-034458.jpg" alt="" /></figure>
In addition, Shinhan Finance has made efforts to build a more user-friendly financial experience journey for its customers through digital transformation initiatives. One of the typical achievements is the iShinhan mobile application which greatly facilitates loan and card registration process, offering customers in-app after-sales services through modern and convenient digital solution. Since its launch, iShinhan has continuously been enhanced and improved, offering customers a seamless experience and safe in digital environment.
Shinhan Finance's efforts on innovation and creativity have been recognized through many prestigious awards. In 2022, iShinhan mobile application is honored to be voted “Top 10 Trust Products” – "Digital Finance, Digital Technology Products, Education" awarded by Vietnam Economic Times (VNEconomy). Shinhan Finance was also honored by the Vietnam National Credit Information Center (CIC) "Typical unit in credit information activities 2022". The company is also one of the few foreign-invested enterprises selected by prestigious agencies and organizations such as the Viet Nam Banking Association (VNBA), the Viet Nam Competition and Consumer Authority (VCCA) in communication activities on sustainable financial solutions and protecting the interests of domestic consumers.
17 years of cultivating trust in the community
Along with building and strengthening business trust, in the past 17 years, especially since the brand name change (in 2019) to step-forward to the new Chapter, Shinhan Finance has implemented many activities towards sustainable development for the community. 
Prominent among them is the "Fulfil Your Dreams and Happiness’" Journey. The activity has been implemented since 2019 and has spread to 11 provinces and cities in Vietnam, donating 64 bookcases, 24,625 children’s books and renovating 11 children’s reading rooms at provincial and city libraries. Shinhan Finance also cooperates with the Red Cross, joining hands to bring hope and life to the community through the Blood Donation held annually in many provinces and cities throughout the country. Over 4 consecutive years, Shinhan Finance members have donated 794 units of blood (equivalent to 209,200ml of blood) to the community. Every year, Shinhan Finance also represents Shinhan Card (Korea) to share cultural values and support the community through the Good Hallyu Project to donate thousands of health care kits, briefcases, pens.... for disadvantaged pupils in Vietnam. Especially recently, Shinhan Finance has partnered with Shinhan Card to cooperate with UNICEF (Korea) to support digital training for children in Vietnam, especially those in disadvantaged areas.
It can be said that 17 years of operation in Vietnam is 17 years of effort to preserve the trust sent by Vietnamese consumers. Mr. Chun Young ILL, Deputy General Director of Shinhan Finance share: "As a financial company from Korea, Shinhan Finance always strives to deserve the trust of Vietnamese customers. We have implemented continuously innovation, products enhancement, service quality improvement, focusing on digital technology investment to offer optimal utilities, and increasing experience to customers, partners and the community. At the same time, Shinhan Finance always perseveres with its sustainable development strategy, balancing business growth and corporate social responsibility with the local community."
Gratitude for 17 years of attachment and companionship
To express our sincere gratitude to all customers who have trusted and accompanied the Company for the past 17 years, Shinhan Finance cooperates with several major partners to explore privilege programs when using THE FIRST Credit Card and debt payment. Accordingly, customers will receive discounts of up to VND 100,000 when shopping on the Shopee app and enjoy discounts of up to VND 100,000 when using the Grab hailing services (GrabBike &amp; GrabCar).
<figure><img src="/assets/news/Banner-Grab-2140x1274.png" alt="" /></figure>
Especially, during the 3 exclusive days (from October 9 to 11, 2023), Shinhan Finance customers will receive a special 2% direct discount up to a maximum of 1 million dong for ones who pay loan and card debt with minimum amount 2 millions dong by ZaloPay through iShinhan mobile application and Shinhan Finance website. 
With a series of programs to celebrate 17 years of service, Shinhan Finance hopes to continue to receive companionship and together of customers, partners, and the community in the "Let's do Good" journey with the company in the coming time.
 
<a href="https://www.facebook.com/hashtag/shinhanfinance?__eep__=6&amp;__cft__%5B0%5D=AZVFuPA0PZTsv5pACJfWpDlQgGoyR2lkGETyjSb0cqaB8a3xZUSYtigYu_qYwMbmyvsCXgLgXXd1su_DkbRMDXE9j6F1aHDbj1jSjrjXVq4dIutNXfK434mlSd6ANub-QuP6hrf2zvEw0r5cPAx7T0rGSJuiciQFEDDPBb8Vbe0hNFiqtAY9qZvv_nrjAi9BDV8&amp;__tn__=*NK-R">#ShinhanFinance</a>; <a href="https://www.facebook.com/hashtag/svfc17years?__eep__=6&amp;__cft__%5B0%5D=AZVFuPA0PZTsv5pACJfWpDlQgGoyR2lkGETyjSb0cqaB8a3xZUSYtigYu_qYwMbmyvsCXgLgXXd1su_DkbRMDXE9j6F1aHDbj1jSjrjXVq4dIutNXfK434mlSd6ANub-QuP6hrf2zvEw0r5cPAx7T0rGSJuiciQFEDDPBb8Vbe0hNFiqtAY9qZvv_nrjAi9BDV8&amp;__tn__=*NK-R">#SVFC17years</a>; <a href="https://www.facebook.com/hashtag/letdogood?__eep__=6&amp;__cft__%5B0%5D=AZVFuPA0PZTsv5pACJfWpDlQgGoyR2lkGETyjSb0cqaB8a3xZUSYtigYu_qYwMbmyvsCXgLgXXd1su_DkbRMDXE9j6F1aHDbj1jSjrjXVq4dIutNXfK434mlSd6ANub-QuP6hrf2zvEw0r5cPAx7T0rGSJuiciQFEDDPBb8Vbe0hNFiqtAY9qZvv_nrjAi9BDV8&amp;__tn__=*NK-R">#Letdogood</a>; <a href="https://www.facebook.com/hashtag/trustandchoose?__eep__=6&amp;__cft__%5B0%5D=AZVFuPA0PZTsv5pACJfWpDlQgGoyR2lkGETyjSb0cqaB8a3xZUSYtigYu_qYwMbmyvsCXgLgXXd1su_DkbRMDXE9j6F1aHDbj1jSjrjXVq4dIutNXfK434mlSd6ANub-QuP6hrf2zvEw0r5cPAx7T0rGSJuiciQFEDDPBb8Vbe0hNFiqtAY9qZvv_nrjAi9BDV8&amp;__tn__=*NK-R">#TrustandChoose</a>

(Ho Chi Minh City) – On October 10, 2023, Shinhan Finance Vietnam (Shinhan Finance) celebrates its 17th anniversary, making an important milestone in the journey of building and retaining the trust of Vietnamese customers.

Shinhan Finance & 17 years journey of keeping trust  in Vietnamese consumers

On the special milestone of 17 years of operation in Vietnam market, customer will get a discount of 20,000 VND when booking on the Grab app with Shinhan Finance credit card. Through this promotional program, Shinhan Finance wants to express its gratitude to thank the loyal customers who “Trust” and “Choose” to accompany Company during the past journey.
Specifically, from October 10, 2023 to November 9, 2023, customers enter code SVFC to receive a discount of 20,000 VND on payment transactions value from 60,000 VND with Shinhan Finance credit card, applicable to GrabCar/ GrabBike services on the Grab app.
In addition, customers should note:
<ul><li>Each customer eligible for maximum 05 times during the program period.</li><li>Applicable to GrabBike/ GrabCar services nationwide.</li><li>Kindly update the latest Grab app version to apply promotional codes from Shinhan Finance.</li></ul>
For more information about Program Terms &amp; Conditions as <a href="https://shinhanfinance.com.vn/assets/promotionTag/TnC-CHUONG-TRINH-UU-DAI-GRAB-CHO-THE-TIN-DUNG-SHINHAN-FINANCE.pdf" target="_blank" rel="noreferrer noopener">here</a>. 
Furthermore, customers will also enjoy Shinhan Finance’s outstanding features when making purchase transactions like:
<ul><li>Unlimited accumulated reward points with 0.5% of the transaction amounts.</li><li>Up to 45 days of free interest.</li><li>Flexible installment with 0% interest rate.</li><li>Easy management and flexible use of card features via iShinhan app.</li></ul>
To learn more promotional program, please refer to information as <a href="https://shinhanfinance.com.vn/en/card-promotions" target="_blank" rel="noreferrer noopener">here</a>.
Let’s register to open credit card today to take advantage of promotional program when using Shinhan Finance for cashless transactions.
Shinhan Finance

On the special milestone of 17 years of operation in Vietnam market, customer will get a discount of 20,000 VND when booking on the Grab app with Shinhan Finance credit card. Through this promotional program, Shinhan Finance wants to express its gratitude to thank the loyal customers who “Trust” and “Choose” to accompany Company during the past journey.